TellerScore

I B E W Local 56 Federal Credit Union (NCUA charter #14247) is based in Erie, Pennsylvania. Its Q2 2026 call report shows $10.8M in total assets and $9.4M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, I B E W Local 56 Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 34% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 192nd. Its strongest component is funding & liquidity (100/100; 52% loans-to-deposits, 0% uninsured), and its lowest is loan quality (24/100; 2.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Net worth ratio: 12.96%
Loan quality24/100
Loans 60+ days delinquent ÷ total loans: 2.27%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity100/100
Loans ÷ shares: 52.3% · 0.0% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.96%

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 8 points (75 → 67), mostly because the loan quality component weakened by 34 points.

TellerScore
607181Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202477
Q3 202481
Q4 202471
Q1 202572
Q2 202575
Q3 202571
Q4 202561
Q1 202660
Q2 202667
Net worth ratio
7.00%9.98%12.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.22%
Q3 202410.61%
Q4 202410.72%
Q1 202511.01%
Q2 202511.52%
Q3 202512.37%
Q4 202512.41%
Q1 202612.51%
Q2 202612.96%
Delinquent loans (60+ days)
0.46%1.76%3.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.50%
Q3 20240.46%
Q4 20241.36%
Q1 20251.33%
Q2 20251.27%
Q3 20252.14%
Q4 20253.07%
Q1 20262.80%
Q2 20262.27%
Return on assets
1.15%1.47%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.49%
Q3 20241.79%
Q4 20241.59%
Q1 20251.56%
Q2 20251.62%
Q3 20251.74%
Q4 20251.50%
Q1 20261.15%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$10.8M12.96%2.27%1.23%52.3%
Q1 202660$10.9M12.51%2.80%1.15%50.5%
Q4 202561$10.8M12.41%3.07%1.50%51.2%
Q3 202571$10.7M12.37%2.14%1.74%52.8%
Q2 202575$11.0M11.52%1.27%1.62%49.6%
Q1 202572$11.1M11.01%1.33%1.56%48.5%
Q4 202471$11.0M10.72%1.36%1.59%50.2%
Q3 202481$10.9M10.61%0.46%1.79%50.3%
Q2 202477$10.6M10.22%0.50%1.49%51.4%

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 ratio12.96%
39th
Problem loans2.27%
18th
Net charge-offs0.00%
77th
Return on assets1.23%
77th
Loans to deposits52.3%
60th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio8.0%
18th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Cmc-Fcpi Employees Federal Credit UnionCredit union Scranton, PA75 out of 100, Strong$10.8M11.7%0.44%vs
Allegheny Valley Federal Credit UnionCredit union Pittsburgh, PA85 out of 100, Very strong$10.8M31.3%0.12%vs
A.B. Federal Credit UnionCredit union Duncansville, PA91 out of 100, Very strong$10.5M14.8%0.08%vs
Bradford Area Federal Credit UnionCredit union Bradford, PA78 out of 100, Strong$11.4M13.7%0.30%vs
Erie Firefighters Federal Credit UnionCredit union Erie, PA85 out of 100, Very strong$10.0M13.9%0.31%vs
Northampton Area School Dist. Emps Federal Credit UnionCredit union Northampton, PA95 out of 100, Very strong$11.7M20.9%0.09%vs

Deposit insurance

Is my money safe at I B E W Local 56 Federal Credit Union?

Yes. I B E W Local 56 Federal Credit Union is a federally insured credit union (NCUA charter #14247). 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 12.96%, 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

I B E W Local 56 Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
I B E W Local 56 Federal Credit Union
Type
Federal credit union
NCUA charter #
14247
RSSD ID
211589
Primary regulator
NCUA
Established
1961
Headquarters
962 West 20th Street, Erie, PA 16502
Employees
3

Quick answers

I B E W Local 56 Federal Credit Union: common questions

Is I B E W Local 56 Federal Credit Union NCUA insured?

Yes. I B E W Local 56 Federal Credit Union is a federally insured credit union (NCUA charter #14247). 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 I B E W Local 56 Federal Credit Union's TellerScore?

67 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 I B E W Local 56 Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Erie

InstitutionScoreAssetsCapitalProblem loansCompare
Locomotive & Control Employees Federal Credit UnionCredit union Erie, PA91 out of 100, Very strong$20.3M26.1%0.71%vs
Erie Police Federal Credit UnionCredit union Erie, PA89 out of 100, Very strong$2.5M26.2%0.00%vs
Erie Firefighters Federal Credit UnionCredit union Erie, PA85 out of 100, Very strong$10.0M13.9%0.31%vs
Tri State Rail Federal Credit UnionCredit union Erie, PA84 out of 100, Strong$19.9M20.0%0.50%vs
North East Welch Federal Credit UnionCredit union North East, PA82 out of 100, Strong$26.0M16.8%1.37%vs
Saint Vincent Erie Federal Credit UnionCredit union Erie, PA77 out of 100, Strong$17.9M12.2%0.86%vs