TellerScore

North Districts Credit Union (NCUA charter #61636) is based in Gibsonia, Pennsylvania. Its Q2 2026 call report shows $45.4M in total assets and $38.3M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, North Districts Credit Union scores 65/100, which we describe as moderate. That is higher than only 30% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 203rd. Its strongest component is capital cushion (100/100; 15.42%), and its lowest is loan quality (0/100; 4.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.42%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.70%
Earnings61/100
Return on assets (annualized): 1.04%
Funding & liquidity100/100
Loans ÷ shares: 36.8% · 1.5% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.72%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 65).

TellerScore
606365Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202461
Q3 202462
Q4 202460
Q1 202564
Q2 202565
Q3 202565
Q4 202565
Q1 202662
Q2 202665
Net worth ratio
7.00%11.21%15.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202413.71%
Q3 202414.13%
Q4 202414.29%
Q1 202514.36%
Q2 202514.47%
Q3 202515.08%
Q4 202515.18%
Q1 202615.30%
Q2 202615.42%
Delinquent loans (60+ days)
4.70%6.59%8.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20245.46%
Q3 20245.97%
Q4 20245.61%
Q1 20255.48%
Q2 20256.96%
Q3 20257.25%
Q4 20255.95%
Q1 20268.48%
Q2 20264.70%
Return on assets
0.76%1.04%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.08%
Q3 20241.11%
Q4 20240.76%
Q1 20251.22%
Q2 20251.32%
Q3 20251.22%
Q4 20251.14%
Q1 20260.86%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$45.4M15.42%4.70%1.04%36.8%
Q1 202662$44.9M15.30%8.48%0.86%37.9%
Q4 202565$44.6M15.18%5.95%1.14%40.9%
Q3 202565$44.2M15.08%7.25%1.22%41.9%
Q2 202565$45.4M14.47%6.96%1.32%41.3%
Q1 202564$44.6M14.36%5.48%1.22%42.0%
Q4 202460$43.9M14.29%5.61%0.76%43.2%
Q3 202462$44.6M14.13%5.97%1.11%43.5%
Q2 202461$45.0M13.71%5.46%1.08%44.4%

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 ratio15.42%
57th
Problem loans4.70%
6th
Net charge-offs0.67%
21st
Return on assets1.04%
69th
Loans to deposits36.8%
82nd
Uninsured deposits1.5%
49th
Loan-loss reserves0.00%
37th
Texas ratio9.7%
14th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Glass Cap Federal Credit UnionCredit union Connellsville, PA89 out of 100, Very strong$45.4M18.3%0.76%vs
R-S Bellco Federal Credit UnionCredit union New Brighton, PA57 out of 100, Moderate$44.5M7.2%0.86%vs
Wyrope Williamsport Federal Credit UnionCredit union S Williamsport, PA81 out of 100, Strong$43.8M14.6%1.08%vs
Bessemer System Federal Credit UnionCredit union Greenville, PA74 out of 100, Strong$47.3M11.7%0.65%vs
York Educational Federal Credit UnionCredit union York, PA74 out of 100, Strong$43.5M10.7%0.16%vs
Vantage Trust Federal Credit UnionCredit union Wilkes Barre, PA50 out of 100, Below average$47.7M7.3%1.23%vs

Deposit insurance

Is my money safe at North Districts Credit Union?

Yes. North Districts Credit Union is a federally insured credit union (NCUA charter #61636). 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 1.5% of shares and deposits ($588K) 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 15.42%, 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

North Districts Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
North Districts Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61636
RSSD ID
919698
Primary regulator
State + NCUA
Established
1942
Headquarters
101 Northtowne Sq, Gibsonia, PA 15044
Employees
8

Quick answers

North Districts Credit Union: common questions

Is North Districts Credit Union NCUA insured?

Yes. North Districts Credit Union is a federally insured credit union (NCUA charter #61636). 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 North Districts Credit Union's TellerScore?

65 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 North Districts Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Gibsonia

InstitutionScoreAssetsCapitalProblem loansCompare
Penn-Trafford School Emp. Federal Credit UnionCredit union Trafford, PA99 out of 100, Very strong$5.3M21.2%0.00%vs
VA Pittsburgh Employees Federal Credit UnionCredit union Pittsburgh, PA98 out of 100, Very strong$26.8M17.6%0.15%vs
I.B.E.W. - Local No. 5 Federal Credit UnionCredit union Pittsburgh, PA98 out of 100, Very strong$15.4M15.4%0.07%vs
A & S Federal Credit UnionCredit union Aliquippa, PA95 out of 100, Very strong$39.3M15.1%0.55%vs
Moonlight Federal Credit UnionCredit union Worthington, PA94 out of 100, Very strong$53.6M17.9%0.06%vs
Greater Pittsburgh Federal Credit UnionCredit union Pittsburgh, PA93 out of 100, Very strong$76.7M15.3%0.40%vs