TellerScore

Mon Valley Community Federal Credit Union is a federal credit union headquartered in Allenport, Pennsylvania, in business for about 89 years. At the end of Q2 2026 it reported $193.4M in total assets and $134.0M in member shares and deposits.

Based on its Q2 2026 filing, Mon Valley Community Federal Credit Union scores 77/100, which we describe as strong. That is higher than 71% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 119th. Its strongest component is capital cushion (100/100; 32.77%), and its lowest is loan quality (8/100; 2.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 32.77%
Loan quality8/100
Loans 60+ days delinquent ÷ total loans: 2.76%
Earnings100/100
Return on assets (annualized): 2.51%
Funding & liquidity100/100
Loans ÷ shares: 43.3% · 7.3% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.53%

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 2 points (79 → 77), mostly because the loan quality component weakened by 8 points.

TellerScore
757983Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202482
Q4 202477
Q1 202581
Q2 202579
Q3 202579
Q4 202583
Q1 202682
Q2 202677
Net worth ratio
7.00%19.89%32.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202430.42%
Q3 202431.44%
Q4 202431.50%
Q1 202531.72%
Q2 202531.73%
Q3 202532.06%
Q4 202532.67%
Q1 202632.73%
Q2 202632.77%
Delinquent loans (60+ days)
2.03%2.57%3.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.12%
Q3 20242.16%
Q4 20242.69%
Q1 20252.26%
Q2 20252.53%
Q3 20252.43%
Q4 20252.03%
Q1 20262.07%
Q2 20262.76%
Return on assets
2.48%2.79%3.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.09%
Q3 20243.08%
Q4 20242.99%
Q1 20252.57%
Q2 20252.64%
Q3 20252.64%
Q4 20252.51%
Q1 20262.48%
Q2 20262.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$193.4M32.77%2.76%2.51%43.3%
Q1 202682$189.8M32.73%2.07%2.48%41.4%
Q4 202583$186.6M32.67%2.03%2.51%40.5%
Q3 202579$187.1M32.06%2.43%2.64%38.9%
Q2 202579$185.1M31.73%2.53%2.64%37.1%
Q1 202581$181.1M31.72%2.26%2.57%37.5%
Q4 202477$178.7M31.50%2.69%2.99%37.0%
Q3 202482$174.9M31.44%2.16%3.08%37.2%
Q2 202475$176.4M30.42%3.12%3.09%35.3%

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).

Capital ratio32.77%
100th
Problem loans2.76%
3rd
Net charge-offs-0.01%
99th
Return on assets2.51%
99th
Loans to deposits43.3%
95th
Uninsured deposits7.3%
36th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
69th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Discovery Federal Credit UnionCredit union Wyomissing, PA72 out of 100, Strong$193.2M11.5%0.48%vs
P & G Mehoopany Employees Federal Credit UnionCredit union Tunkhannock, PA95 out of 100, Very strong$195.3M14.8%0.14%vs
Priority First Federal Credit UnionCredit union Du Bois, PA77 out of 100, Strong$187.3M12.1%0.81%vs
Omega Federal Credit UnionCredit union Wexford, PA64 out of 100, Moderate$186.9M11.0%0.99%vs
Ufcw Community Federal Credit UnionCredit union Wyoming, PA86 out of 100, Very strong$181.4M15.3%1.18%vs
Arize Federal Credit UnionCredit union State College, PA40 out of 100, Below average$175.9M7.8%2.12%vs

Deposit insurance

Is my money safe at Mon Valley Community Federal Credit Union?

Yes. Mon Valley Community Federal Credit Union is a federally insured credit union (NCUA charter #1911). 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 7.3% of shares and deposits ($9.8M) 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 32.77%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

HMDA 2025

Mortgage lending

In 2025, Mon Valley Community Federal Credit Union reported 142 home-loan applications under HMDA (LEI 254900VZM7V5ZDUJAQ32): 131 originated ($13,965,000 total), 7 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.1%, 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
Mon Valley Community Federal Credit Union
Type
Federal credit union
NCUA charter #
1911
RSSD ID
7979
Primary regulator
NCUA
Established
1937
Headquarters
Po Box 189, Allenport, PA 15412
Employees
12

Quick answers

Mon Valley Community Federal Credit Union: common questions

Is Mon Valley Community Federal Credit Union NCUA insured?

Yes. Mon Valley Community Federal Credit Union is a federally insured credit union (NCUA charter #1911). 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 Mon Valley Community Federal Credit Union's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.