TellerScore

Headquartered in Warren, Pennsylvania, Kinzua Federal Credit Union is a federal credit union with $16.7M in total assets and $14.2M in member shares and deposits as of Q2 2026. Its charter dates back to 1956.

Kinzua Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 85% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 48th. Funding & liquidity contributes the most (100/100, 30% loans-to-deposits, 0% uninsured); earnings contributes the least (49/100, 0.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Net worth ratio: 14.73%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.11%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity100/100
Loans ÷ shares: 30.3% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.20%

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 (82 → 88), mostly because the loan quality component improved by 26 points.

TellerScore
778899Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202493
Q3 202499
Q4 202496
Q1 202584
Q2 202582
Q3 202587
Q4 202588
Q1 202677
Q2 202688
Net worth ratio
7.00%11.17%15.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.46%
Q3 202414.96%
Q4 202415.12%
Q1 202515.19%
Q2 202514.96%
Q3 202515.02%
Q4 202515.34%
Q1 202614.52%
Q2 202614.73%
Delinquent loans (60+ days)
0.08%0.49%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.62%
Q3 20240.08%
Q4 20240.18%
Q1 20250.20%
Q2 20250.91%
Q3 20250.13%
Q4 20250.14%
Q1 20260.84%
Q2 20260.11%
Return on assets
0.18%1.23%2.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.19%
Q3 20242.28%
Q4 20241.72%
Q1 20250.18%
Q2 20250.68%
Q3 20250.54%
Q4 20250.64%
Q1 20260.23%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$16.7M14.73%0.11%0.73%30.3%
Q1 202677$16.6M14.52%0.84%0.23%28.9%
Q4 202588$15.6M15.34%0.14%0.64%32.1%
Q3 202587$15.7M15.02%0.13%0.54%31.8%
Q2 202582$15.7M14.96%0.91%0.68%33.1%
Q1 202584$15.2M15.19%0.20%0.18%36.4%
Q4 202496$15.2M15.12%0.18%1.72%38.3%
Q3 202499$15.4M14.96%0.08%2.28%36.2%
Q2 202493$15.3M14.46%0.62%2.19%36.8%

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 ratio14.73%
52nd
Problem loans0.11%
79th
Net charge-offs-0.34%
97th
Return on assets0.73%
54th
Loans to deposits30.3%
89th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.2%
81st

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Hill District Federal Credit UnionCredit union Pittsburgh, PA58 out of 100, Moderate$16.5M25.5%26.24%vs
Alcose Credit UnionCredit union White Oak, PA89 out of 100, Very strong$16.1M16.4%0.03%vs
Sca Federal Credit UnionCredit union New Castle, PA94 out of 100, Very strong$17.4M19.7%0.09%vs
Armstrong Co. Federal Emp. Federal Credit UnionCredit union Kittanning, PA84 out of 100, Strong$17.6M15.4%0.64%vs
Williamsport Teachers Credit UnionCredit union South Williamsp, PA85 out of 100, Very strong$15.6M19.5%0.56%vs
Saint Vincent Erie Federal Credit UnionCredit union Erie, PA77 out of 100, Strong$17.9M12.2%0.86%vs

Deposit insurance

Is my money safe at Kinzua Federal Credit Union?

Yes. Kinzua Federal Credit Union is a federally insured credit union (NCUA charter #11391). 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 14.73%, 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
Kinzua Federal Credit Union
Type
Federal credit union
NCUA charter #
11391
RSSD ID
909886
Primary regulator
NCUA
Established
1956
Headquarters
1770 Market St, Warren, PA 16365
Employees
7

Quick answers

Kinzua Federal Credit Union: common questions

Is Kinzua Federal Credit Union NCUA insured?

Yes. Kinzua Federal Credit Union is a federally insured credit union (NCUA charter #11391). 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 Kinzua Federal Credit Union's TellerScore?

88 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.