TellerScore

Galaxy Federal Credit Union is a federal credit union headquartered in Franklin, Pennsylvania, in business for about 86 years. At the end of Q2 2026 it reported $72.6M in total assets and $59.8M in member shares and deposits.

Based on its Q2 2026 filing, Galaxy Federal Credit Union scores 85/100, which we describe as very strong. That is higher than 77% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 66th. Its strongest component is capital cushion (100/100; 17.27%), and its lowest is earnings (39/100; 0.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.27%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.27%
Earnings39/100
Return on assets (annualized): 0.47%
Funding & liquidity100/100
Loans ÷ shares: 52.8% · 6.1% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.68%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (84 → 85).

TellerScore
808487Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202484
Q4 202480
Q1 202581
Q2 202584
Q3 202587
Q4 202584
Q1 202687
Q2 202685
Net worth ratio
7.00%12.79%18.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.57%
Q3 202418.47%
Q4 202417.96%
Q1 202517.49%
Q2 202518.00%
Q3 202517.85%
Q4 202517.54%
Q1 202617.15%
Q2 202617.27%
Delinquent loans (60+ days)
0.27%0.64%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.75%
Q3 20240.67%
Q4 20241.01%
Q1 20250.87%
Q2 20250.82%
Q3 20250.51%
Q4 20250.68%
Q1 20260.41%
Q2 20260.27%
Return on assets
0.47%0.68%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20240.72%
Q4 20240.68%
Q1 20250.54%
Q2 20250.86%
Q3 20250.90%
Q4 20250.79%
Q1 20260.77%
Q2 20260.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$72.6M17.27%0.27%0.47%52.8%
Q1 202687$73.1M17.15%0.41%0.77%52.2%
Q4 202584$70.5M17.54%0.68%0.79%53.8%
Q3 202587$68.9M17.85%0.51%0.90%54.5%
Q2 202584$67.4M18.00%0.82%0.86%54.7%
Q1 202581$68.2M17.49%0.87%0.54%53.8%
Q4 202480$65.9M17.96%1.01%0.68%56.3%
Q3 202484$63.7M18.47%0.67%0.72%59.5%
Q2 202483$62.8M18.57%0.75%0.74%61.6%

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 ratio17.27%
66th
Problem loans0.27%
70th
Net charge-offs0.16%
51st
Return on assets0.47%
40th
Loans to deposits52.8%
59th
Uninsured deposits6.1%
17th
Loan-loss reserves0.00%
37th
Texas ratio0.7%
71st

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
Access Credit UnionCredit union Bristol, PA78 out of 100, Strong$70.3M11.8%0.16%vs
Wheatland Federal Credit UnionCredit union Lancaster, PA66 out of 100, Moderate$69.9M8.6%0.24%vs
Titan Federal Credit UnionCredit union Pleasant Gap, PA94 out of 100, Very strong$69.5M15.4%0.31%vs
Bethlehem 1st Federal Credit UnionCredit union Bethlehem, PA68 out of 100, Moderate$75.7M12.4%2.11%vs
Friendly Federal Credit UnionCredit union Aliquippa, PA63 out of 100, Moderate$69.1M17.0%4.66%vs

Deposit insurance

Is my money safe at Galaxy Federal Credit Union?

Yes. Galaxy Federal Credit Union is a federally insured credit union (NCUA charter #4116). 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 6.1% of shares and deposits ($3.6M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.27%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Galaxy Federal Credit Union
Type
Federal credit union
NCUA charter #
4116
RSSD ID
275376
Primary regulator
NCUA
Established
1940
Headquarters
1313 Liberty St, Franklin, PA 16323
Employees
13

Quick answers

Galaxy Federal Credit Union: common questions

Is Galaxy Federal Credit Union NCUA insured?

Yes. Galaxy Federal Credit Union is a federally insured credit union (NCUA charter #4116). 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 Galaxy Federal Credit Union's TellerScore?

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