TellerScore

Headquartered in Alexandria, Virginia, Patent and Trademark Office Federal Credit Union is a federal credit union with $40.1M in total assets and $37.1M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1942.

Based on its Q2 2026 filing, Patent and Trademark Office Federal Credit Union scores 39/100, which we describe as low. That is higher than only 3% of 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 92nd. Its strongest component is funding & liquidity (100/100; 50% loans-to-deposits, 8% uninsured), and its lowest is loan quality (14/100; 2.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion21/100
Net worth ratio: 7.09%
Loan quality14/100
Loans 60+ days delinquent ÷ total loans: 2.59%
Earnings35/100
Return on assets (annualized): 0.37%
Funding & liquidity100/100
Loans ÷ shares: 49.5% · 8.2% uninsured
Problem-loan coverage67/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 16.72%

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

From Q2 2025 to Q2 2026, the score fell 13 points (52 → 39), mostly because the loan quality component weakened by 41 points.

TellerScore
364452Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202444
Q3 202444
Q4 202439
Q1 202547
Q2 202552
Q3 202546
Q4 202536
Q1 202637
Q2 202639
Net worth ratio
6.77%7.05%7.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20247.06%
Q3 20246.91%
Q4 20246.77%
Q1 20256.87%
Q2 20257.19%
Q3 20257.29%
Q4 20257.33%
Q1 20266.97%
Q2 20267.09%
Delinquent loans (60+ days)
1.36%2.45%3.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.69%
Q3 20241.62%
Q4 20241.96%
Q1 20251.70%
Q2 20251.36%
Q3 20252.07%
Q4 20253.55%
Q1 20262.69%
Q2 20262.59%
Return on assets
-0.12%0.28%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.05%
Q3 20240.01%
Q4 2024-0.12%
Q1 20250.60%
Q2 20250.67%
Q3 20250.63%
Q4 20250.59%
Q1 20260.59%
Q2 20260.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202639$40.1M7.09%2.59%0.37%49.5%
Q1 202637$40.6M6.97%2.69%0.59%50.3%
Q4 202536$40.3M7.33%3.55%0.59%55.4%
Q3 202546$40.0M7.29%2.07%0.63%59.4%
Q2 202552$39.8M7.19%1.36%0.67%62.3%
Q1 202547$40.6M6.87%1.70%0.60%62.6%
Q4 202439$40.3M6.77%1.96%-0.12%61.4%
Q3 202444$40.4M6.91%1.62%0.01%56.1%
Q2 202444$39.6M7.06%1.69%0.05%55.3%

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 ratio7.09%
2nd
Problem loans2.59%
15th
Net charge-offs2.53%
4th
Return on assets0.37%
36th
Loans to deposits49.5%
65th
Uninsured deposits8.2%
10th
Loan-loss reserves0.00%
37th
Texas ratio16.7%
6th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
First Nrv Federal Credit UnionCredit union Radford, VA52 out of 100, Below average$38.7M9.3%2.09%vs
Vantage Point Federal Credit UnionCredit union Hopewell, VA71 out of 100, Strong$45.0M16.7%2.20%vs
Pfd Firefighters Credit Union Inc.Credit union Portsmouth, VA82 out of 100, Strong$34.4M14.9%0.07%vs
Hampton Roads Educ Credit Union IncCredit union Hampton, VA58 out of 100, Moderate$46.9M8.4%1.00%vs
Lynchburg Municipal Employees Federal Credit UnionCredit union Lynchburg, VA81 out of 100, Strong$31.4M12.1%0.28%vs
Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA93 out of 100, Very strong$26.8M20.1%0.41%vs

Deposit insurance

Is my money safe at Patent and Trademark Office Federal Credit Union?

Yes. Patent and Trademark Office Federal Credit Union is a federally insured credit union (NCUA charter #4936). 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 8.2% of shares and deposits ($3.0M) 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 7.09%, slightly 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

Patent and Trademark Office Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Patent and Trademark Office Federal Credit Union
Type
Federal credit union
NCUA charter #
4936
RSSD ID
31871
Primary regulator
NCUA
Established
1942
Headquarters
501 Dulany St, Alexandria, VA 22314
Employees
10

Quick answers

Patent and Trademark Office Federal Credit Union: common questions

Is Patent and Trademark Office Federal Credit Union NCUA insured?

Yes. Patent and Trademark Office Federal Credit Union is a federally insured credit union (NCUA charter #4936). 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 Patent and Trademark Office Federal Credit Union's TellerScore?

39 out of 100 (Low), 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 Patent and Trademark Office Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Alexandria

InstitutionScoreAssetsCapitalProblem loansCompare
Mount Pleasant Baptist Church Federal Credit UnionCredit union Alexandria, VA100 out of 100, Very strong$370K17.4%0.00%vs
Angelina County Teachers Credit UnionCredit union Lufkin, TX100 out of 100, Very strong$12.9M18.4%0.04%vs
None Suffer Lack Federal Credit UnionCredit union Suitland, MD99 out of 100, Very strong$27.9M20.1%0.12%vs
Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL99 out of 100, Very strong$2.2M23.1%0.08%vs
Christiansted Federal Credit UnionCredit union Christiansted, VI98 out of 100, Very strong$34.0M20.6%0.23%vs
Deer Lodge County School Emp Federal Credit UnionCredit union Anaconda, MT95 out of 100, Very strong$9.7M13.7%0.00%vs