TellerScore

Headquartered in Montoursville, Pennsylvania, Montoursville Area Federal Credit Union is a federal credit union with $6.2M in total assets and $5.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1967.

Based on its Q2 2026 filing, Montoursville Area 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 32nd. Its strongest component is funding & liquidity (100/100; 33% loans-to-deposits, 0% uninsured), and its lowest is earnings (68/100; 1.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Net worth ratio: 14.19%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.03%
Earnings68/100
Return on assets (annualized): 1.21%
Funding & liquidity100/100
Loans ÷ shares: 32.9% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.05%

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 (96 → 91), mostly because the earnings component weakened by 28 points.

TellerScore
879296Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202494
Q4 202492
Q1 202593
Q2 202596
Q3 202595
Q4 202590
Q1 202690
Q2 202691
Net worth ratio
7.00%10.65%14.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.06%
Q3 202413.37%
Q4 202412.96%
Q1 202513.38%
Q2 202513.99%
Q3 202514.25%
Q4 202514.30%
Q1 202614.28%
Q2 202614.19%
Delinquent loans (60+ days)
0.00%0.25%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.50%
Q3 20240.12%
Q4 20240.13%
Q1 20250.14%
Q2 20250.00%
Q3 20250.18%
Q4 20250.47%
Q1 20260.09%
Q2 20260.03%
Return on assets
1.10%1.80%2.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.45%
Q3 20242.49%
Q4 20241.92%
Q1 20251.84%
Q2 20251.89%
Q3 20251.86%
Q4 20251.56%
Q1 20261.10%
Q2 20261.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$6.2M14.19%0.03%1.21%32.9%
Q1 202690$5.8M14.28%0.09%1.10%36.4%
Q4 202590$5.6M14.30%0.47%1.56%37.3%
Q3 202595$5.4M14.25%0.18%1.86%39.7%
Q2 202596$5.4M13.99%0.00%1.89%39.1%
Q1 202593$5.3M13.38%0.14%1.84%40.0%
Q4 202492$5.3M12.96%0.13%1.92%39.6%
Q3 202494$5.1M13.37%0.12%2.49%43.5%
Q2 202487$5.4M12.06%0.50%2.45%45.2%

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 ratio14.19%
49th
Problem loans0.03%
86th
Net charge-offs0.40%
32nd
Return on assets1.21%
76th
Loans to deposits32.9%
86th
Uninsured deposits0.0%
81st
Loan-loss reserves0.91%
82nd
Texas ratio0.1%
85th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Johnstown School Employees Federal Credit UnionCredit union Johnstown, PA75 out of 100, Strong$6.2M26.1%1.04%vs
Valley Pride Federal Credit UnionCredit union Kingston, PA64 out of 100, Moderate$6.3M17.5%4.23%vs
Pace Resources Federal Credit UnionCredit union York, PA80 out of 100, Strong$6.5M17.9%1.01%vs
Northwood Federal Credit UnionCredit union Philadelphia, PA75 out of 100, Strong$6.6M19.7%0.63%vs
Newell Federal Credit UnionCredit union Newell, PA71 out of 100, Strong$5.7M10.7%0.00%vs
Ukrainian Selfreliance of West. Pa. Federal Credit UnionCredit union Carnegie, PA44 out of 100, Below average$6.7M10.3%2.10%vs

Deposit insurance

Is my money safe at Montoursville Area Federal Credit Union?

Yes. Montoursville Area Federal Credit Union is a federally insured credit union (NCUA charter #18144). 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 14.19%, 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

Montoursville Area Federal Credit Union lists 1 office in 1 city. Most locations:

  • Montoursville, PA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Montoursville Area Federal Credit Union
Type
Federal credit union
NCUA charter #
18144
RSSD ID
563989
Primary regulator
NCUA
Established
1967
Headquarters
999 N Loyalsock Ave Ste a, Montoursville, PA 17754
Employees
3

Quick answers

Montoursville Area Federal Credit Union: common questions

Is Montoursville Area Federal Credit Union NCUA insured?

Yes. Montoursville Area Federal Credit Union is a federally insured credit union (NCUA charter #18144). 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 Montoursville Area 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 Montoursville Area Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Montoursville

InstitutionScoreAssetsCapitalProblem loansCompare
Palco Federal Credit UnionCredit union Muncy, PA87 out of 100, Very strong$109.3M13.1%0.20%vs
Williamsport Teachers Credit UnionCredit union South Williamsp, PA85 out of 100, Very strong$15.6M19.5%0.56%vs
The Turbotville National BankBank Turbotville, PA85 out of 100, Very strong$243.5M16.5%1.10%vs
Wyrope Williamsport Federal Credit UnionCredit union S Williamsport, PA81 out of 100, Strong$43.8M14.6%1.08%vs
Milton Savings BankBank Milton, PA81 out of 100, Strong$90.6M16.9%0.06%vs
West Branch Valley Federal Credit UnionCredit union Williamsport, PA73 out of 100, Strong$50.8M9.6%0.21%vs