TellerScore

Headquartered in Wexford, Pennsylvania, Omega Federal Credit Union is a federal credit union with $186.9M in total assets and $164.3M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1940.

Based on its Q2 2026 filing, Omega Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 31% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 211th. Its strongest component is problem-loan coverage (88/100; 6.1%), and its lowest is earnings (42/100; 0.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 11.00%
Loan quality67/100
Loans 60+ days delinquent ÷ total loans: 0.99%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity83/100
Loans ÷ shares: 77.1% · 5.8% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.07%

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 (69 → 64), mostly because the loan quality component weakened by 12 points.

TellerScore
646871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202469
Q4 202467
Q1 202571
Q2 202569
Q3 202569
Q4 202569
Q1 202669
Q2 202664
Net worth ratio
7.00%9.17%11.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.68%
Q3 202410.76%
Q4 202410.90%
Q1 202510.84%
Q2 202511.01%
Q3 202511.14%
Q4 202511.34%
Q1 202611.16%
Q2 202611.00%
Delinquent loans (60+ days)
0.25%0.62%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.48%
Q3 20240.57%
Q4 20240.75%
Q1 20250.25%
Q2 20250.64%
Q3 20250.68%
Q4 20250.69%
Q1 20260.64%
Q2 20260.99%
Return on assets
0.55%0.69%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20240.84%
Q4 20240.81%
Q1 20250.66%
Q2 20250.78%
Q3 20250.76%
Q4 20250.75%
Q1 20260.59%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$186.9M11.00%0.99%0.55%77.1%
Q1 202669$182.2M11.16%0.64%0.59%76.6%
Q4 202569$176.8M11.34%0.69%0.75%79.8%
Q3 202569$177.2M11.14%0.68%0.76%79.5%
Q2 202569$176.4M11.01%0.64%0.78%78.9%
Q1 202571$175.5M10.84%0.25%0.66%79.3%
Q4 202467$169.8M10.90%0.75%0.81%82.9%
Q3 202469$169.1M10.76%0.57%0.84%83.8%
Q2 202469$167.0M10.68%0.48%0.84%85.4%

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 ratio11.00%
44th
Problem loans0.99%
30th
Net charge-offs0.35%
51st
Return on assets0.55%
34th
Loans to deposits77.1%
47th
Uninsured deposits5.8%
51st
Loan-loss reserves0.00%
50th
Texas ratio6.1%
31st

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Priority First Federal Credit UnionCredit union Du Bois, PA77 out of 100, Strong$187.3M12.1%0.81%vs
Ufcw Community Federal Credit UnionCredit union Wyoming, PA86 out of 100, Very strong$181.4M15.3%1.18%vs
Discovery Federal Credit UnionCredit union Wyomissing, PA72 out of 100, Strong$193.2M11.5%0.48%vs
Mon Valley Community Federal Credit UnionCredit union Allenport, PA77 out of 100, Strong$193.4M32.8%2.76%vs
P & G Mehoopany Employees Federal Credit UnionCredit union Tunkhannock, PA95 out of 100, Very strong$195.3M14.8%0.14%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 Omega Federal Credit Union?

Yes. Omega Federal Credit Union is a federally insured credit union (NCUA charter #3711). 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 ($9.6M) 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 11.00%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Omega Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Omega Federal Credit Union reported 137 home-loan applications under HMDA (LEI 549300PPIXNO2E1B5V55): 96 originated ($6,050,000 total), 14 denied, and 27 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.7%, 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
Omega Federal Credit Union
Type
Federal credit union
NCUA charter #
3711
RSSD ID
308975
Primary regulator
NCUA
Established
1940
Headquarters
10455 Perry Hwy, Wexford, PA 15090
Employees
42

Quick answers

Omega Federal Credit Union: common questions

Is Omega Federal Credit Union NCUA insured?

Yes. Omega Federal Credit Union is a federally insured credit union (NCUA charter #3711). 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 Omega Federal Credit Union's TellerScore?

64 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 Omega Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Freedom United Federal Credit UnionCredit union Rochester, PA93 out of 100, Very strong$94.2M19.0%0.84%vs