TellerScore

Headquartered in Erie, Pennsylvania, Locomotive & Control Employees Federal Credit Union is a federal credit union with $20.3M in total assets and $14.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1936.

Based on its Q2 2026 filing, Locomotive & Control Employees Federal Credit Union scores 91/100, which we describe as very strong. That is higher than 90% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 29th. Its strongest component is capital cushion (100/100; 26.10%), and its lowest is loan quality (76/100; 0.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 26.10%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.71%
Earnings83/100
Return on assets (annualized): 1.57%
Funding & liquidity100/100
Loans ÷ shares: 31.0% · 0.1% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.61%

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 (99 → 91), mostly because the loan quality component weakened by 20 points.

TellerScore
879399Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202497
Q3 202495
Q4 202494
Q1 202598
Q2 202599
Q3 202596
Q4 202594
Q1 202687
Q2 202691
Net worth ratio
7.00%16.57%26.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202424.24%
Q3 202424.41%
Q4 202424.59%
Q1 202524.92%
Q2 202525.36%
Q3 202525.94%
Q4 202526.15%
Q1 202626.14%
Q2 202626.10%
Delinquent loans (60+ days)
0.12%0.55%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.58%
Q4 20240.73%
Q1 20250.13%
Q2 20250.12%
Q3 20250.48%
Q4 20250.67%
Q1 20260.98%
Q2 20260.71%
Return on assets
1.44%1.76%2.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.93%
Q3 20242.05%
Q4 20242.02%
Q1 20251.89%
Q2 20251.94%
Q3 20252.09%
Q4 20252.03%
Q1 20261.44%
Q2 20261.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$20.3M26.10%0.71%1.57%31.0%
Q1 202687$19.9M26.14%0.98%1.44%31.8%
Q4 202594$19.6M26.15%0.67%2.03%33.8%
Q3 202596$19.4M25.94%0.48%2.09%33.9%
Q2 202599$19.4M25.36%0.12%1.94%32.2%
Q1 202598$19.3M24.92%0.13%1.89%33.0%
Q4 202494$19.2M24.59%0.73%2.02%33.7%
Q3 202495$19.0M24.41%0.58%2.05%34.9%
Q2 202497$18.7M24.24%0.24%1.93%36.7%

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 ratio26.10%
90th
Problem loans0.71%
50th
Net charge-offs0.18%
49th
Return on assets1.57%
87th
Loans to deposits31.0%
88th
Uninsured deposits0.1%
62nd
Loan-loss reserves0.00%
37th
Texas ratio0.6%
73rd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Tri State Rail Federal Credit UnionCredit union Erie, PA84 out of 100, Strong$19.9M20.0%0.50%vs
Fayette Federal Employees Federal Credit UnionCredit union Uniontown, PA91 out of 100, Very strong$19.8M14.3%0.41%vs
Ppg & Associates Federal Credit UnionCredit union Creighton, PA82 out of 100, Strong$19.6M16.7%0.42%vs
Alleg-Kiski Postal Federal Credit UnionCredit union New Kensington, PA78 out of 100, Strong$19.5M19.0%1.84%vs
Altoona Area Employees Federal Credit UnionCredit union Altoona, PA84 out of 100, Strong$19.4M11.5%0.00%vs
North Penn Federal Credit UnionCredit union Colmar, PA80 out of 100, Strong$21.2M12.6%0.68%vs

Deposit insurance

Is my money safe at Locomotive & Control Employees Federal Credit Union?

Yes. Locomotive & Control Employees Federal Credit Union is a federally insured credit union (NCUA charter #1111). 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 0.1% of shares and deposits ($18K) 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 26.10%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Locomotive & Control Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Locomotive & Control Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
1111
RSSD ID
710372
Primary regulator
NCUA
Established
1936
Headquarters
1286 E 38th St, Erie, PA 16504
Employees
3

Quick answers

Locomotive & Control Employees Federal Credit Union: common questions

Is Locomotive & Control Employees Federal Credit Union NCUA insured?

Yes. Locomotive & Control Employees Federal Credit Union is a federally insured credit union (NCUA charter #1111). 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 Locomotive & Control Employees Federal Credit Union's TellerScore?

91 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.

How many branches does Locomotive & Control Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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Tri State Rail Federal Credit UnionCredit union Erie, PA84 out of 100, Strong$19.9M20.0%0.50%vs
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