TellerScore

Headquartered in Arlington, Virginia, Paho/Who Federal Credit Union is a federal credit union with $325.8M in total assets and $273.1M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1949.

Based on its Q2 2026 filing, Paho/Who Federal Credit Union scores 78/100, which we describe as strong. That is higher than 74% of 1,341 credit unions with $100 million – $1 billion. Among 95 credit unions headquartered in Virginia, it ranks 27th. Its strongest component is problem-loan coverage (96/100; 2.1%), and its lowest is earnings (33/100; 0.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Net worth ratio: 14.32%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.64%
Earnings33/100
Return on assets (annualized): 0.32%
Funding & liquidity94/100
Loans ÷ shares: 55.1% · 20.2% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.07%

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 rose 3 points (75 → 78), mostly because the earnings component improved by 13 points.

TellerScore
707580Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202478
Q4 202477
Q1 202573
Q2 202575
Q3 202570
Q4 202580
Q1 202679
Q2 202678
Net worth ratio
7.00%10.66%14.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.78%
Q3 202413.42%
Q4 202414.17%
Q1 202514.06%
Q2 202514.17%
Q3 202514.27%
Q4 202514.29%
Q1 202614.26%
Q2 202614.32%
Delinquent loans (60+ days)
0.25%0.85%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.51%
Q3 20240.25%
Q4 20240.56%
Q1 20250.53%
Q2 20250.79%
Q3 20251.44%
Q4 20250.47%
Q1 20260.64%
Q2 20260.64%
Return on assets
-0.39%0.02%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.15%
Q3 20240.16%
Q4 20240.11%
Q1 2025-0.39%
Q2 20250.00%
Q3 20250.11%
Q4 20250.25%
Q1 20260.43%
Q2 20260.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$325.8M14.32%0.64%0.32%55.1%
Q1 202679$325.8M14.26%0.64%0.43%56.1%
Q4 202580$322.9M14.29%0.47%0.25%56.9%
Q3 202570$321.0M14.27%1.44%0.11%58.4%
Q2 202575$321.3M14.17%0.79%0.00%59.7%
Q1 202573$321.6M14.06%0.53%-0.39%61.8%
Q4 202477$321.3M14.17%0.56%0.11%63.4%
Q3 202478$341.1M13.42%0.25%0.16%62.0%
Q2 202476$331.0M13.78%0.51%0.15%64.0%

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 ratio14.32%
81st
Problem loans0.64%
53rd
Net charge-offs0.54%
32nd
Return on assets0.32%
19th
Loans to deposits55.1%
85th
Uninsured deposits20.2%
2nd
Loan-loss reserves0.00%
50th
Texas ratio2.1%
75th

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Blue Eagle Credit UnionCredit union Roanoke, VA84 out of 100, Strong$280.8M12.9%0.11%vs

Deposit insurance

Is my money safe at Paho/Who Federal Credit Union?

Yes. Paho/Who Federal Credit Union is a federally insured credit union (NCUA charter #6464). 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 20.2% of shares and deposits ($55.2M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.32%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Paho/Who Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Paho/Who Federal Credit Union
Type
Federal credit union
NCUA charter #
6464
RSSD ID
642389
Primary regulator
NCUA
Established
1949
Headquarters
P.O. Box 17460, Arlington, VA 22216
Employees
35

Quick answers

Paho/Who Federal Credit Union: common questions

Is Paho/Who Federal Credit Union NCUA insured?

Yes. Paho/Who Federal Credit Union is a federally insured credit union (NCUA charter #6464). 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 Paho/Who Federal Credit Union's TellerScore?

78 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 Paho/Who Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

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