TellerScore

Grove City Area Federal Credit Union (NCUA charter #6722) is based in Grove City, Pennsylvania. Its Q2 2026 call report shows $152.8M in total assets and $129.4M in member shares and deposits and 2 offices across 2 states.

Grove City Area Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 49th. Capital cushion contributes the most (100/100, 15.26%); loan quality contributes the least (56/100, 1.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.26%
Loan quality56/100
Loans 60+ days delinquent ÷ total loans: 1.33%
Earnings94/100
Return on assets (annualized): 1.84%
Funding & liquidity100/100
Loans ÷ shares: 56.2% · 3.2% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.16%

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 3 points (84 → 87), mostly because the earnings component improved by 14 points.

TellerScore
788387Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202481
Q4 202480
Q1 202578
Q2 202584
Q3 202586
Q4 202586
Q1 202686
Q2 202687
Net worth ratio
7.00%11.13%15.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.57%
Q3 202414.84%
Q4 202414.91%
Q1 202514.73%
Q2 202514.76%
Q3 202515.18%
Q4 202515.22%
Q1 202615.17%
Q2 202615.26%
Delinquent loans (60+ days)
1.28%1.62%1.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.57%
Q3 20241.70%
Q4 20241.96%
Q1 20251.77%
Q2 20251.33%
Q3 20251.28%
Q4 20251.36%
Q1 20261.36%
Q2 20261.33%
Return on assets
1.39%1.62%1.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.66%
Q3 20241.71%
Q4 20241.72%
Q1 20251.39%
Q2 20251.49%
Q3 20251.65%
Q4 20251.72%
Q1 20261.75%
Q2 20261.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$152.8M15.26%1.33%1.84%56.2%
Q1 202686$148.7M15.17%1.36%1.75%55.3%
Q4 202586$143.9M15.22%1.36%1.72%58.9%
Q3 202586$139.8M15.18%1.28%1.65%60.6%
Q2 202584$139.0M14.76%1.33%1.49%58.3%
Q1 202578$135.5M14.73%1.77%1.39%57.3%
Q4 202480$130.7M14.91%1.96%1.72%60.7%
Q3 202481$127.5M14.84%1.70%1.71%63.1%
Q2 202482$125.9M14.57%1.57%1.66%63.2%

1,341 peers · $100 million – $1 billion

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 ratio15.26%
86th
Problem loans1.33%
18th
Net charge-offs0.36%
49th
Return on assets1.84%
96th
Loans to deposits56.2%
83rd
Uninsured deposits3.2%
80th
Loan-loss reserves0.00%
50th
Texas ratio4.2%
49th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Horizon Federal Credit UnionCredit union Williamsport, PA41 out of 100, Below average$152.4M9.0%2.32%vs
Citymark Federal Credit UnionCredit union Plains, PA86 out of 100, Very strong$152.2M16.2%0.88%vs
Arc Federal Credit UnionCredit union Altoona, PA79 out of 100, Strong$154.0M13.3%1.32%vs
Tendto Federal Credit UnionCredit union Erie, PA61 out of 100, Moderate$141.3M8.3%0.51%vs
The One Federal Credit UnionCredit union Meadville, PA61 out of 100, Moderate$139.3M8.7%0.38%vs
Pennsylvania Central Federal Credit UnionCredit union Harrisburg, PA70 out of 100, Strong$138.9M10.6%0.63%vs

Deposit insurance

Is my money safe at Grove City Area Federal Credit Union?

Yes. Grove City Area Federal Credit Union is a federally insured credit union (NCUA charter #6722). 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 3.2% of shares and deposits ($4.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.26%, 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

Grove City Area Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Grove City Area Federal Credit Union reported 168 home-loan applications under HMDA (LEI 254900XJCLA0W3K4J455): 125 originated ($11,505,000 total), 22 denied, and 19 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Grove City Area Federal Credit Union
Type
Federal credit union
NCUA charter #
6722
RSSD ID
752381
Primary regulator
NCUA
Established
1950
Headquarters
1600 S Center Street Ext, Grove City, PA 16127
Employees
21

Quick answers

Grove City Area Federal Credit Union: common questions

Is Grove City Area Federal Credit Union NCUA insured?

Yes. Grove City Area Federal Credit Union is a federally insured credit union (NCUA charter #6722). 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 Grove City Area Federal Credit Union's TellerScore?

87 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.

How many branches does Grove City Area Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.