TellerScore

Pagoda Federal Credit Union (NCUA charter #15532) is based in Reading, Pennsylvania. Its Q2 2026 call report shows $32.6M in total assets and $28.6M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Pagoda Federal Credit Union scores 87/100, which we describe as very strong. That is higher than 83% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 54th. Its strongest component is funding & liquidity (100/100; 34% loans-to-deposits, 4% uninsured), and its lowest is capital cushion (70/100; 11.97%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 11.97%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings93/100
Return on assets (annualized): 1.81%
Funding & liquidity100/100
Loans ÷ shares: 34.0% · 4.1% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.76%

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 (87 → 87).

TellerScore
808488Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202483
Q4 202483
Q1 202584
Q2 202587
Q3 202588
Q4 202584
Q1 202684
Q2 202687
Net worth ratio
7.00%9.48%11.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.95%
Q3 20249.62%
Q4 202410.04%
Q1 20259.96%
Q2 202510.71%
Q3 202511.24%
Q4 202511.34%
Q1 202611.35%
Q2 202611.97%
Delinquent loans (60+ days)
0.00%0.26%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.08%
Q1 20250.00%
Q2 20250.04%
Q3 20250.09%
Q4 20250.51%
Q1 20260.30%
Q2 20260.31%
Return on assets
1.71%1.92%2.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.75%
Q3 20241.91%
Q4 20241.88%
Q1 20251.88%
Q2 20252.12%
Q3 20252.13%
Q4 20251.91%
Q1 20261.71%
Q2 20261.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$32.6M11.97%0.31%1.81%34.0%
Q1 202684$33.0M11.35%0.30%1.71%33.8%
Q4 202584$31.8M11.34%0.51%1.91%36.2%
Q3 202588$31.1M11.24%0.09%2.13%36.8%
Q2 202587$31.1M10.71%0.04%2.12%36.2%
Q1 202584$31.6M9.96%0.00%1.88%35.4%
Q4 202483$29.9M10.04%0.08%1.88%37.2%
Q3 202483$29.8M9.62%0.00%1.91%37.8%
Q2 202480$30.2M8.95%0.00%1.75%37.8%

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 ratio11.97%
31st
Problem loans0.31%
68th
Net charge-offs0.51%
26th
Return on assets1.81%
92nd
Loans to deposits34.0%
85th
Uninsured deposits4.1%
27th
Loan-loss reserves0.00%
37th
Texas ratio0.8%
70th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Lehigh County Employees Federal Credit UnionCredit union Allentown, PA96 out of 100, Very strong$33.1M15.7%0.00%vs
Steel Strong Community Federal Credit UnionCredit union Elizabeth, PA87 out of 100, Very strong$32.0M25.3%0.81%vs
Jessop Community Federal Credit UnionCredit union Washington, PA87 out of 100, Very strong$34.1M13.8%0.38%vs
Highway Federal Credit UnionCredit union Hughestown, PA75 out of 100, Strong$35.0M18.1%2.00%vs
Pinpoint Federal Credit UnionCredit union Milton, PA36 out of 100, Low$30.2M8.4%3.51%vs
Reliance Federal Credit UnionCredit union King of Prussia, PA70 out of 100, Strong$35.3M12.5%1.05%vs

Deposit insurance

Is my money safe at Pagoda Federal Credit Union?

Yes. Pagoda Federal Credit Union is a federally insured credit union (NCUA charter #15532). 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 4.1% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.97%, 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

Pagoda Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pagoda Federal Credit Union
Type
Federal credit union
NCUA charter #
15532
RSSD ID
401689
Primary regulator
NCUA
Established
1963
Headquarters
833 Washington Street, Reading, PA 19601
Employees
5

Quick answers

Pagoda Federal Credit Union: common questions

Is Pagoda Federal Credit Union NCUA insured?

Yes. Pagoda Federal Credit Union is a federally insured credit union (NCUA charter #15532). 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 Pagoda Federal Credit Union's TellerScore?

87 out of 100 (Very 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 Pagoda Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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