Headquartered in Scranton, Pennsylvania, Net Federal Credit Union is a federal credit union with $354.0M in total assets and $324.3M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1941.
Based on its Q2 2026 filing, Net Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 26% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 217th. Its strongest component is funding & liquidity (96/100; 64% loans-to-deposits, 8% uninsured), and its lowest is earnings (34/100; 0.36%).
TellerScore · Q2 2026
Scorecard
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 3 points (65 → 62), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 65 |
| Q4 2024 | 64 |
| Q1 2025 | 65 |
| Q2 2025 | 65 |
| Q3 2025 | 65 |
| Q4 2025 | 64 |
| Q1 2026 | 62 |
| Q2 2026 | 62 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.80% |
| Q3 2024 | 11.67% |
| Q4 2024 | 11.45% |
| Q1 2025 | 10.79% |
| Q2 2025 | 10.85% |
| Q3 2025 | 11.06% |
| Q4 2025 | 10.54% |
| Q1 2026 | 10.47% |
| Q2 2026 | 10.23% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 1.13% |
| Q4 2024 | 1.12% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.91% |
| Q3 2025 | 1.14% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.13% |
| Q2 2026 | 1.09% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.15% |
| Q1 2025 | -0.16% |
| Q2 2025 | 0.15% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $354.0M | 10.23% | 1.09% | 0.36% | 64.4% |
| Q1 2026 | 62 | $344.2M | 10.47% | 1.13% | 0.31% | 63.2% |
| Q4 2025 | 64 | $339.3M | 10.54% | 1.01% | 0.35% | 60.3% |
| Q3 2025 | 65 | $322.4M | 11.06% | 1.14% | 0.44% | 60.8% |
| Q2 2025 | 65 | $320.8M | 10.85% | 0.91% | 0.15% | 58.3% |
| Q1 2025 | 65 | $320.9M | 10.79% | 0.59% | -0.16% | 56.4% |
| Q4 2024 | 64 | $303.7M | 11.45% | 1.12% | 0.15% | 58.3% |
| Q3 2024 | 65 | $297.0M | 11.67% | 1.13% | 0.16% | 59.2% |
| Q2 2024 | 69 | $291.3M | 11.80% | 0.66% | 0.04% | 57.8% |
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).
Similar-size credit unions in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Capital Federal Credit UnionCredit union York, PA | 81 out of 100, Strong | $368.5M | 11.9% | 0.20% | vs |
| West-Aircomm Federal Credit UnionCredit union Beaver, PA | 64 out of 100, Moderate | $375.7M | 12.4% | 1.90% | vs |
| Riverfront Federal Credit UnionCredit union Wyomissing, PA | 60 out of 100, Moderate | $320.2M | 8.5% | 0.50% | vs |
| Inspire Federal Credit UnionCredit union Newtown, PA | 59 out of 100, Moderate | $392.1M | 10.5% | 0.93% | vs |
| Cross Valley Federal Credit UnionCredit union Wilkes Barre, PA | 65 out of 100, Moderate | $300.0M | 8.2% | 0.69% | vs |
| Century Heritage Federal Credit UnionCredit union Pittsburgh, PA | 72 out of 100, Strong | $289.5M | 11.5% | 0.75% | vs |
Deposit insurance
Is my money safe at Net Federal Credit Union?
Yes. Net Federal Credit Union is a federally insured credit union (NCUA charter #4792). 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 7.9% of shares and deposits ($25.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 10.23%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Net Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Olyphant, PA (1)
- Scranton, PA (1)
Identity & history
Profile
- Legal name
- Net Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 4792
- RSSD ID
- 17772
- Primary regulator
- NCUA
- Established
- 1941
- Headquarters
- 119 Mulberry St, Scranton, PA 18503
- Employees
- 66
Quick answers
Net Federal Credit Union: common questions
Is Net Federal Credit Union NCUA insured?
Yes. Net Federal Credit Union is a federally insured credit union (NCUA charter #4792). 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 Net Federal Credit Union's TellerScore?
62 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 Net Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Scranton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| P & G Mehoopany Employees Federal Credit UnionCredit union Tunkhannock, PA | 95 out of 100, Very strong | $195.3M | 14.8% | 0.14% | vs |
| Corner Post Federal Credit UnionCredit union Wilkes Barre, PA | 92 out of 100, Very strong | $99.4M | 17.7% | 0.91% | vs |
| Citymark Federal Credit UnionCredit union Plains, PA | 86 out of 100, Very strong | $152.2M | 16.2% | 0.88% | vs |
| Ufcw Community Federal Credit UnionCredit union Wyoming, PA | 86 out of 100, Very strong | $181.4M | 15.3% | 1.18% | vs |
| The Honesdale National BankBank Honesdale, PA | 84 out of 100, Strong | $1.2B | 13.7% | 0.24% | vs |
| PS BankBank Wyalusing, PA | 83 out of 100, Strong | $674.5M | 11.2% | 0.10% | vs |