TellerScore

Headquartered in Latrobe, Pennsylvania, Latrobe Federal Credit Union is a federal credit union with $14.1M in total assets and $12.5M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1950.

Latrobe Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 198th. Funding & liquidity contributes the most (100/100, 25% loans-to-deposits, 2% uninsured); earnings contributes the least (9/100, -0.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.22%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings9/100
Return on assets (annualized): -0.27%
Funding & liquidity100/100
Loans ÷ shares: 24.5% · 2.3% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.98%

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 10 points (76 → 66), mostly because the earnings component weakened by 33 points.

TellerScore
637077Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202472
Q4 202473
Q1 202570
Q2 202576
Q3 202570
Q4 202577
Q1 202663
Q2 202666
Net worth ratio
7.00%9.38%11.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.26%
Q3 202410.46%
Q4 202410.57%
Q1 202510.63%
Q2 202511.36%
Q3 202511.67%
Q4 202511.77%
Q1 202611.26%
Q2 202611.22%
Delinquent loans (60+ days)
0.04%0.52%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.09%
Q3 20240.19%
Q4 20240.10%
Q1 20250.26%
Q2 20250.15%
Q3 20250.04%
Q4 20250.11%
Q1 20261.00%
Q2 20260.50%
Return on assets
-1.83%-0.65%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.39%
Q4 20240.42%
Q1 20250.24%
Q2 20250.54%
Q3 2025-1.83%
Q4 20250.50%
Q1 2026-0.16%
Q2 2026-0.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$14.1M11.22%0.50%-0.27%24.5%
Q1 202663$14.1M11.26%1.00%-0.16%24.8%
Q4 202577$13.6M11.77%0.11%0.50%28.3%
Q3 202570$13.7M11.67%0.04%-1.83%29.6%
Q2 202576$13.8M11.36%0.15%0.54%29.4%
Q1 202570$14.5M10.63%0.26%0.24%27.6%
Q4 202473$14.5M10.57%0.10%0.42%30.0%
Q3 202472$14.4M10.46%0.19%0.39%31.8%
Q2 202473$14.7M10.26%0.09%0.52%30.4%

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 ratio11.22%
26th
Problem loans0.50%
58th
Net charge-offs-0.04%
91st
Return on assets-0.27%
14th
Loans to deposits24.5%
93rd
Uninsured deposits2.3%
42nd
Loan-loss reserves0.00%
37th
Texas ratio1.0%
66th

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InstitutionScoreAssetsCapitalProblem loansCompare
Your Choice Federal Credit UnionCredit union Altoona, PA85 out of 100, Very strong$14.0M12.6%0.09%vs
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Penntech Employees Federal Credit UnionCredit union Johnsonburg, PA46 out of 100, Below average$13.9M10.3%2.90%vs
Spojnia Credit UnionCredit union Scranton, PA50 out of 100, Below average$14.3M15.5%8.33%vs
Transit Workers Federal Credit UnionCredit union Philadelphia, PA47 out of 100, Below average$14.6M9.9%2.00%vs
P C Federal Credit UnionCredit union Port Allegany, PA47 out of 100, Below average$13.5M13.3%4.15%vs

Deposit insurance

Is my money safe at Latrobe Federal Credit Union?

Yes. Latrobe Federal Credit Union is a federally insured credit union (NCUA charter #6689). 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 2.3% of shares and deposits ($287K) 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 11.22%, 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

Latrobe Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Latrobe Federal Credit Union
Type
Federal credit union
NCUA charter #
6689
RSSD ID
873080
Primary regulator
NCUA
Established
1950
Headquarters
1812 Ligonier Street, Latrobe, PA 15650
Employees
7

Quick answers

Latrobe Federal Credit Union: common questions

Is Latrobe Federal Credit Union NCUA insured?

Yes. Latrobe Federal Credit Union is a federally insured credit union (NCUA charter #6689). 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 Latrobe Federal Credit Union's TellerScore?

66 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 Latrobe Federal Credit Union have?

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

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