TellerScore

Franklin Regional Schools Federal Credit Union (NCUA charter #18582) is based in Jeannette, Pennsylvania. Its Q2 2026 call report shows $3.0M in total assets and $2.6M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Franklin Regional Schools Federal Credit Union scores 70/100, which we describe as strong. That is higher than only 40% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 181st. Its strongest component is problem-loan coverage (94/100; 3.2%), and its lowest is earnings (26/100; 0.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.66%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.63%
Earnings26/100
Return on assets (annualized): 0.16%
Funding & liquidity86/100
Loans ÷ shares: 74.1% · 0.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.16%

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 rose 2 points (68 → 70), mostly because the loan quality component weakened by 16 points.

TellerScore
687480Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202477
Q1 202580
Q2 202568
Q3 202576
Q4 202577
Q1 202679
Q2 202670
Net worth ratio
7.00%9.83%12.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.27%
Q3 202411.53%
Q4 202411.57%
Q1 202511.79%
Q2 202511.65%
Q3 202512.17%
Q4 202512.29%
Q1 202612.54%
Q2 202612.66%
Delinquent loans (60+ days)
0.00%0.32%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.14%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.63%
Return on assets
-0.14%0.45%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.53%
Q4 20240.74%
Q1 20251.03%
Q2 2025-0.14%
Q3 20250.47%
Q4 20250.53%
Q1 20260.67%
Q2 20260.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$3.0M12.66%0.63%0.16%74.1%
Q1 202679$3.0M12.54%0.00%0.67%78.3%
Q4 202577$3.1M12.29%0.00%0.53%78.4%
Q3 202576$3.1M12.17%0.00%0.47%84.9%
Q2 202568$3.1M11.65%0.14%-0.14%83.2%
Q1 202580$3.1M11.79%0.00%1.03%80.6%
Q4 202477$3.1M11.57%0.00%0.74%82.6%
Q3 202474$3.1M11.53%0.00%0.53%84.1%
Q2 202473$3.1M11.27%0.00%0.41%79.0%

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 ratio12.66%
37th
Problem loans0.63%
53rd
Net charge-offs0.00%
77th
Return on assets0.16%
26th
Loans to deposits74.1%
27th
Uninsured deposits0.0%
81st
Loan-loss reserves0.39%
76th
Texas ratio3.2%
41st

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Deposit insurance

Is my money safe at Franklin Regional Schools Federal Credit Union?

Yes. Franklin Regional Schools Federal Credit Union is a federally insured credit union (NCUA charter #18582). 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 12.66%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Franklin Regional Schools Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Franklin Regional Schools Federal Credit Union
Type
Federal credit union
NCUA charter #
18582
RSSD ID
746885
Primary regulator
NCUA
Established
1968
Headquarters
4068 Bushy Run Rd, Jeannette, PA 15644
Employees
3

Quick answers

Franklin Regional Schools Federal Credit Union: common questions

Is Franklin Regional Schools Federal Credit Union NCUA insured?

Yes. Franklin Regional Schools Federal Credit Union is a federally insured credit union (NCUA charter #18582). 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 Franklin Regional Schools Federal Credit Union's TellerScore?

70 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 Franklin Regional Schools Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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