TellerScore

Headquartered in Hummelstown, Pennsylvania, Hershey Federal Credit Union is a federal credit union with $125.8M in total assets and $113.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1949.

Based on its Q2 2026 filing, Hershey Federal Credit Union scores 61/100, which we describe as moderate. That is higher than only 24% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 224th. Its strongest component is problem-loan coverage (83/100; 8.4%), and its lowest is capital cushion (45/100; 9.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.53%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.58%
Earnings46/100
Return on assets (annualized): 0.64%
Funding & liquidity67/100
Loans ÷ shares: 93.0% · 1.8% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.41%

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 6 points (55 → 61), mostly because the loan quality component improved by 17 points.

TellerScore
515865Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202457
Q4 202457
Q1 202556
Q2 202555
Q3 202551
Q4 202555
Q1 202658
Q2 202661
Net worth ratio
7.00%8.27%9.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.41%
Q3 20249.30%
Q4 20249.22%
Q1 20259.12%
Q2 20259.11%
Q3 20259.22%
Q4 20259.35%
Q1 20269.46%
Q2 20269.53%
Delinquent loans (60+ days)
0.06%0.80%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.06%
Q3 20240.94%
Q4 20241.01%
Q1 20250.94%
Q2 20251.08%
Q3 20251.55%
Q4 20251.20%
Q1 20260.86%
Q2 20260.58%
Return on assets
0.56%0.66%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.71%
Q3 20240.71%
Q4 20240.75%
Q1 20250.56%
Q2 20250.64%
Q3 20250.70%
Q4 20250.75%
Q1 20260.69%
Q2 20260.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$125.8M9.53%0.58%0.64%93.0%
Q1 202658$126.2M9.46%0.86%0.69%92.3%
Q4 202555$123.5M9.35%1.20%0.75%96.7%
Q3 202551$122.3M9.22%1.55%0.70%95.9%
Q2 202555$121.6M9.11%1.08%0.64%94.8%
Q1 202556$122.9M9.12%0.94%0.56%91.6%
Q4 202457$117.7M9.22%1.01%0.75%95.8%
Q3 202457$117.1M9.30%0.94%0.71%97.2%
Q2 202465$111.9M8.41%0.06%0.71%90.8%

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 ratio9.53%
21st
Problem loans0.58%
58th
Net charge-offs0.14%
80th
Return on assets0.64%
42nd
Loans to deposits93.0%
11th
Uninsured deposits1.8%
92nd
Loan-loss reserves0.00%
50th
Texas ratio8.4%
19th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Lanco Federal Credit UnionCredit union Lancaster, PA71 out of 100, Strong$124.6M11.2%0.85%vs
Ingersoll-Rand Federal Credit UnionCredit union Sayre, PA62 out of 100, Moderate$124.3M13.5%1.54%vs
Allentown Federal Credit UnionCredit union Allentown, PA86 out of 100, Very strong$127.7M16.5%0.76%vs
Guthrie Community Federal Credit UnionCredit union Sayre, PA72 out of 100, Strong$122.7M10.9%0.31%vs
United Community Federal Credit UnionCredit union West Mifflin, PA90 out of 100, Very strong$129.1M13.3%0.06%vs
Tri Boro Federal Credit UnionCredit union Munhall, PA76 out of 100, Strong$130.6M14.5%0.94%vs

Deposit insurance

Is my money safe at Hershey Federal Credit Union?

Yes. Hershey Federal Credit Union is a federally insured credit union (NCUA charter #6095). 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 1.8% of shares and deposits ($2.0M) 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 9.53%, 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

Hershey Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Hershey Federal Credit Union reported 88 home-loan applications under HMDA (LEI 549300FVHSR5J0LNLQ61): 84 originated ($11,890,000 total), 3 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.4%, 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
Hershey Federal Credit Union
Type
Federal credit union
NCUA charter #
6095
RSSD ID
763088
Primary regulator
NCUA
Established
1949
Headquarters
232 Hershey Rd, Hummelstown, PA 17036
Employees
31

Quick answers

Hershey Federal Credit Union: common questions

Is Hershey Federal Credit Union NCUA insured?

Yes. Hershey Federal Credit Union is a federally insured credit union (NCUA charter #6095). 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 Hershey Federal Credit Union's TellerScore?

61 out of 100 (Moderate), 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 Hershey Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hummelstown

InstitutionScoreAssetsCapitalProblem loansCompare
Penn-Trafford School Emp. Federal Credit UnionCredit union Trafford, PA99 out of 100, Very strong$5.3M21.2%0.00%vs
Susquehanna Valley Federal Credit UnionCredit union Camp Hill, PA90 out of 100, Very strong$86.9M12.3%0.07%vs
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
Central Susquehanna Community Federal Credit UnionCredit union Danville, PA82 out of 100, Strong$37.4M12.1%0.00%vs
First Capital Federal Credit UnionCredit union York, PA81 out of 100, Strong$368.5M11.9%0.20%vs
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs