Ingersoll-Rand Federal Credit Union is a federal credit union headquartered in Sayre, Pennsylvania, in business for about 65 years. At the end of Q2 2026 it reported $124.3M in total assets and $107.1M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, Ingersoll-Rand Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 26% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 218th. Its strongest component is funding & liquidity (90/100; 70% loans-to-deposits, 5% uninsured), and its lowest is earnings (12/100; -0.19%).
TellerScore · Q2 2026
Scorecard
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 5 points (67 → 62), mostly because the earnings component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 72 |
| Q4 2024 | 68 |
| Q1 2025 | 67 |
| Q2 2025 | 67 |
| Q3 2025 | 56 |
| Q4 2025 | 59 |
| Q1 2026 | 60 |
| Q2 2026 | 62 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.38% |
| Q3 2024 | 15.09% |
| Q4 2024 | 14.41% |
| Q1 2025 | 14.02% |
| Q2 2025 | 14.00% |
| Q3 2025 | 14.13% |
| Q4 2025 | 13.87% |
| Q1 2026 | 13.48% |
| Q2 2026 | 13.53% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.37% |
| Q3 2024 | 1.71% |
| Q4 2024 | 1.72% |
| Q1 2025 | 1.48% |
| Q2 2025 | 1.49% |
| Q3 2025 | 2.80% |
| Q4 2025 | 2.39% |
| Q1 2026 | 1.85% |
| Q2 2026 | 1.54% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.18% |
| Q1 2025 | -0.03% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.05% |
| Q1 2026 | -0.26% |
| Q2 2026 | -0.19% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $124.3M | 13.53% | 1.54% | -0.19% | 70.4% |
| Q1 2026 | 60 | $125.0M | 13.48% | 1.85% | -0.26% | 64.1% |
| Q4 2025 | 59 | $122.1M | 13.87% | 2.39% | 0.05% | 64.1% |
| Q3 2025 | 56 | $120.1M | 14.13% | 2.80% | 0.11% | 65.8% |
| Q2 2025 | 67 | $120.5M | 14.00% | 1.49% | 0.02% | 63.7% |
| Q1 2025 | 67 | $120.4M | 14.02% | 1.48% | -0.03% | 60.7% |
| Q4 2024 | 68 | $117.1M | 14.41% | 1.72% | 0.18% | 61.5% |
| Q3 2024 | 72 | $112.1M | 15.09% | 1.71% | 0.50% | 65.4% |
| Q2 2024 | 61 | $108.8M | 15.38% | 2.37% | 0.03% | 68.6% |
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).
Similar-size credit unions in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lanco Federal Credit UnionCredit union Lancaster, PA | 71 out of 100, Strong | $124.6M | 11.2% | 0.85% | vs |
| Guthrie Community Federal Credit UnionCredit union Sayre, PA | 72 out of 100, Strong | $122.7M | 10.9% | 0.31% | vs |
| Hershey Federal Credit UnionCredit union Hummelstown, PA | 61 out of 100, Moderate | $125.8M | 9.5% | 0.58% | vs |
| Allentown Federal Credit UnionCredit union Allentown, PA | 86 out of 100, Very strong | $127.7M | 16.5% | 0.76% | vs |
| United Community Federal Credit UnionCredit union West Mifflin, PA | 90 out of 100, Very strong | $129.1M | 13.3% | 0.06% | vs |
| Tri Boro Federal Credit UnionCredit union Munhall, PA | 76 out of 100, Strong | $130.6M | 14.5% | 0.94% | vs |
Deposit insurance
Is my money safe at Ingersoll-Rand Federal Credit Union?
Yes. Ingersoll-Rand Federal Credit Union is a federally insured credit union (NCUA charter #14425). 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 4.9% of shares and deposits ($5.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 13.53%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Ingersoll-Rand Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Sayre, PA (1)
- Wysox, PA (1)
HMDA 2025
Mortgage lending
In 2025, Ingersoll-Rand Federal Credit Union reported 75 home-loan applications under HMDA (LEI 984500T0AY1EOD7AFB91): 58 originated ($5,840,000 total), 10 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.5%, 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
- Ingersoll-Rand Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 14425
- RSSD ID
- 483582
- Primary regulator
- NCUA
- Established
- 1961
- Headquarters
- 1970 Elmira St, Sayre, PA 18840
- Employees
- 29
Quick answers
Ingersoll-Rand Federal Credit Union: common questions
Is Ingersoll-Rand Federal Credit Union NCUA insured?
Yes. Ingersoll-Rand Federal Credit Union is a federally insured credit union (NCUA charter #14425). 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 Ingersoll-Rand Federal Credit Union's TellerScore?
62 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 Ingersoll-Rand Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Sayre
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Finger Lakes Health Care Federal Credit UnionCredit union Elmira, NY | 89 out of 100, Very strong | $35.2M | 15.5% | 0.02% | vs |
| PS BankBank Wyalusing, PA | 83 out of 100, Strong | $674.5M | 11.2% | 0.10% | vs |
| Solutions Federal Credit UnionCredit union Elmira, NY | 83 out of 100, Strong | $43.4M | 12.6% | 0.30% | vs |
| Chemung Canal Trust Company, National AssociationBank Elmira, NY | 72 out of 100, Strong | $2.8B | 11.4% | 0.38% | vs |
| First Heritage Federal Credit UnionCredit union Corning, NY | 72 out of 100, Strong | $839.7M | 11.1% | 0.44% | vs |
| Guthrie Community Federal Credit UnionCredit union Sayre, PA | 72 out of 100, Strong | $122.7M | 10.9% | 0.31% | vs |