TellerScore

Paac Transit Division Federal Credit Union is a federal credit union headquartered in Pittsburgh, Pennsylvania, in business for about 86 years. At the end of Q2 2026 it reported $29.2M in total assets and $24.0M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Paac Transit Division Federal Credit Union scores 76/100, which we describe as strong. That is higher than 54% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 132nd. Its strongest component is capital cushion (100/100; 17.60%), and its lowest is loan quality (32/100; 2.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.60%
Loan quality32/100
Loans 60+ days delinquent ÷ total loans: 2.04%
Earnings65/100
Return on assets (annualized): 1.12%
Funding & liquidity100/100
Loans ÷ shares: 25.7% · 1.6% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.45%

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 17 points (93 → 76), mostly because the loan quality component weakened by 53 points.

TellerScore
698295Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202479
Q4 202476
Q1 202587
Q2 202593
Q3 202595
Q4 202569
Q1 202672
Q2 202676
Net worth ratio
7.00%12.70%18.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.52%
Q3 202417.44%
Q4 202417.31%
Q1 202517.39%
Q2 202517.81%
Q3 202518.40%
Q4 202517.72%
Q1 202617.64%
Q2 202617.60%
Delinquent loans (60+ days)
0.44%1.41%2.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.10%
Q3 20242.15%
Q4 20241.74%
Q1 20251.33%
Q2 20250.44%
Q3 20250.52%
Q4 20252.29%
Q1 20262.38%
Q2 20262.04%
Return on assets
0.58%1.25%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20241.70%
Q4 20240.79%
Q1 20251.77%
Q2 20251.55%
Q3 20251.91%
Q4 20250.58%
Q1 20261.02%
Q2 20261.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$29.2M17.60%2.04%1.12%25.7%
Q1 202672$28.6M17.64%2.38%1.02%26.1%
Q4 202569$28.0M17.72%2.29%0.58%28.2%
Q3 202595$28.4M18.40%0.52%1.91%27.4%
Q2 202593$28.2M17.81%0.44%1.55%23.0%
Q1 202587$28.4M17.39%1.33%1.77%22.6%
Q4 202476$27.8M17.31%1.74%0.79%22.6%
Q3 202479$28.2M17.44%2.15%1.70%23.1%
Q2 202473$28.7M16.52%2.10%0.83%20.4%

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 ratio17.60%
68th
Problem loans2.04%
20th
Net charge-offs1.71%
7th
Return on assets1.12%
72nd
Loans to deposits25.7%
92nd
Uninsured deposits1.6%
48th
Loan-loss reserves0.00%
37th
Texas ratio2.5%
47th

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Deposit insurance

Is my money safe at Paac Transit Division Federal Credit Union?

Yes. Paac Transit Division Federal Credit Union is a federally insured credit union (NCUA charter #3810). 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 1.6% of shares and deposits ($379K) 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 17.60%, 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

Paac Transit Division Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Paac Transit Division Federal Credit Union
Type
Federal credit union
NCUA charter #
3810
RSSD ID
241670
Primary regulator
NCUA
Established
1940
Headquarters
219 Fort Pitt Boulevard, Pittsburgh, PA 15222
Employees
6

Quick answers

Paac Transit Division Federal Credit Union: common questions

Is Paac Transit Division Federal Credit Union NCUA insured?

Yes. Paac Transit Division Federal Credit Union is a federally insured credit union (NCUA charter #3810). 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 Paac Transit Division Federal Credit Union's TellerScore?

76 out of 100 (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 Paac Transit Division Federal Credit Union have?

1 office as of the latest NCUA data.

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