TellerScore

Headquartered in New Cumberland, Pennsylvania, New Cumberland Federal Credit Union is a federal credit union with $228.6M in total assets and $206.5M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1952.

Based on its Q2 2026 filing, New Cumberland Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 195th. Its strongest component is funding & liquidity (96/100; 64% loans-to-deposits, 6% uninsured), and its lowest is capital cushion (45/100; 9.48%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.48%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.74%
Earnings53/100
Return on assets (annualized): 0.84%
Funding & liquidity96/100
Loans ÷ shares: 63.8% · 5.8% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.51%

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 rose 4 points (62 → 66), mostly because the earnings component improved by 12 points.

TellerScore
596367Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202460
Q4 202460
Q1 202560
Q2 202562
Q3 202566
Q4 202566
Q1 202667
Q2 202666
Net worth ratio
7.00%8.24%9.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.78%
Q3 20247.93%
Q4 20248.05%
Q1 20258.27%
Q2 20258.52%
Q3 20258.87%
Q4 20259.03%
Q1 20269.12%
Q2 20269.48%
Delinquent loans (60+ days)
0.20%0.47%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.27%
Q4 20240.50%
Q1 20250.45%
Q2 20250.42%
Q3 20250.35%
Q4 20250.50%
Q1 20260.63%
Q2 20260.74%
Return on assets
0.25%0.56%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.25%
Q3 20240.41%
Q4 20240.54%
Q1 20250.36%
Q2 20250.51%
Q3 20250.74%
Q4 20250.81%
Q1 20260.87%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$228.6M9.48%0.74%0.84%63.8%
Q1 202667$232.7M9.12%0.63%0.87%65.7%
Q4 202566$229.4M9.03%0.50%0.81%70.7%
Q3 202566$227.0M8.87%0.35%0.74%74.3%
Q2 202562$228.4M8.52%0.42%0.51%76.1%
Q1 202560$230.5M8.27%0.45%0.36%77.3%
Q4 202460$234.2M8.05%0.50%0.54%78.9%
Q3 202460$231.2M7.93%0.27%0.41%83.1%
Q2 202459$230.3M7.78%0.20%0.25%84.9%

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 ratio9.48%
20th
Problem loans0.74%
46th
Net charge-offs0.71%
19th
Return on assets0.84%
57th
Loans to deposits63.8%
72nd
Uninsured deposits5.8%
51st
Loan-loss reserves0.00%
50th
Texas ratio4.5%
46th

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Deposit insurance

Is my money safe at New Cumberland Federal Credit Union?

Yes. New Cumberland Federal Credit Union is a federally insured credit union (NCUA charter #8110). 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 5.8% of shares and deposits ($12.1M) 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 9.48%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

New Cumberland Federal Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, New Cumberland Federal Credit Union reported 123 home-loan applications under HMDA (LEI 254900JU5OLW9ZB5C595): 89 originated ($7,285,000 total), 22 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.6%, 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
New Cumberland Federal Credit Union
Type
Federal credit union
NCUA charter #
8110
RSSD ID
510581
Primary regulator
NCUA
Established
1952
Headquarters
P O Box 658, New Cumberland, PA 17070
Employees
51

Quick answers

New Cumberland Federal Credit Union: common questions

Is New Cumberland Federal Credit Union NCUA insured?

Yes. New Cumberland Federal Credit Union is a federally insured credit union (NCUA charter #8110). 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 New Cumberland 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 New Cumberland Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near New Cumberland

InstitutionScoreAssetsCapitalProblem loansCompare
Penn-Trafford School Emp. Federal Credit UnionCredit union Trafford, PA99 out of 100, Very strong$5.3M21.2%0.00%vs
Susquehanna Valley Federal Credit UnionCredit union Camp Hill, PA90 out of 100, Very strong$86.9M12.3%0.07%vs
Glatco Credit UnionCredit union Spring Grove, PA90 out of 100, Very strong$54.1M16.2%0.79%vs
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
Central Susquehanna Community Federal Credit UnionCredit union Danville, PA82 out of 100, Strong$37.4M12.1%0.00%vs
First Capital Federal Credit UnionCredit union York, PA81 out of 100, Strong$368.5M11.9%0.20%vs