TellerScore

Headquartered in Jerome, Pennsylvania, Fort Ligonier Federal Credit Union is a federal credit union with $3.2M in total assets and $2.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1958.

Fort Ligonier Federal Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 125th. Capital cushion contributes the most (100/100, 15.90%); earnings contributes the least (38/100, 0.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.90%
Loan quality58/100
Loans 60+ days delinquent ÷ total loans: 1.27%
Earnings38/100
Return on assets (annualized): 0.46%
Funding & liquidity100/100
Loans ÷ shares: 33.9% · 0.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.25%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 14 points (91 → 77), mostly because the loan quality component weakened by 32 points.

TellerScore
748392Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202489
Q4 202482
Q1 202588
Q2 202591
Q3 202590
Q4 202584
Q1 202674
Q2 202677
Net worth ratio
7.00%12.45%17.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.37%
Q3 202417.90%
Q4 202417.19%
Q1 202516.90%
Q2 202517.26%
Q3 202517.29%
Q4 202516.31%
Q1 202616.10%
Q2 202615.90%
Delinquent loans (60+ days)
0.00%0.74%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.56%
Q4 20240.47%
Q1 20250.40%
Q2 20250.29%
Q3 20250.00%
Q4 20250.00%
Q1 20261.49%
Q2 20261.27%
Return on assets
0.05%0.85%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.65%
Q3 20241.21%
Q4 20240.26%
Q1 20250.93%
Q2 20251.16%
Q3 20250.74%
Q4 20250.05%
Q1 20260.36%
Q2 20260.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$3.2M15.90%1.27%0.46%33.9%
Q1 202674$3.1M16.10%1.49%0.36%32.2%
Q4 202584$3.0M16.31%0.00%0.05%35.3%
Q3 202590$3.0M17.29%0.00%0.74%38.8%
Q2 202591$3.0M17.26%0.29%1.16%42.4%
Q1 202588$3.0M16.90%0.40%0.93%42.4%
Q4 202482$2.9M17.19%0.47%0.26%48.7%
Q3 202489$2.9M17.90%0.56%1.21%48.8%
Q2 202492$2.9M17.37%0.56%1.65%48.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.90%
60th
Problem loans1.27%
32nd
Net charge-offs0.00%
77th
Return on assets0.46%
39th
Loans to deposits33.9%
85th
Uninsured deposits0.0%
81st
Loan-loss reserves0.79%
81st
Texas ratio2.2%
50th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
New Kensington Municipal Federal Credit UnionCredit union New Kensington, PA51 out of 100, Below average$3.3M15.8%3.97%vs
B I Federal Credit UnionCredit union Sewickley, PA62 out of 100, Moderate$3.0M37.1%3.80%vs
Acba Fed Credit Union (3226)Credit union Pittsburgh, PA46 out of 100, Below average$3.0M13.5%3.60%vs
Franklin Regional Schools Federal Credit UnionCredit union Jeannette, PA70 out of 100, Strong$3.0M12.7%0.63%vs
Pocono Medical Center Federal Credit UnionCredit union East Stroudsbur, PA76 out of 100, Strong$3.4M12.9%0.28%vs
Saint Nicholas Federal Credit UnionCredit union Wilkes Barre, PA81 out of 100, Strong$3.6M15.0%0.85%vs

Deposit insurance

Is my money safe at Fort Ligonier Federal Credit Union?

Yes. Fort Ligonier Federal Credit Union is a federally insured credit union (NCUA charter #12505). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.90%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Fort Ligonier Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Fort Ligonier Federal Credit Union
Type
Federal credit union
NCUA charter #
12505
RSSD ID
372387
Primary regulator
NCUA
Established
1958
Headquarters
1917 Penn Avenue, Jerome, PA 15937
Employees
2

Quick answers

Fort Ligonier Federal Credit Union: common questions

Is Fort Ligonier Federal Credit Union NCUA insured?

Yes. Fort Ligonier Federal Credit Union is a federally insured credit union (NCUA charter #12505). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Fort Ligonier Federal Credit Union's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Fort Ligonier Federal Credit Union have?

1 office as of the latest NCUA data.