TellerScore

Patriot Federal Credit Union is a federal credit union headquartered in Chambersburg, Pennsylvania, in business for about 61 years. At the end of Q2 2026 it reported $1.3B in total assets and $1.2B in member shares and deposits, with 4 offices across 2 states.

Patriot Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 79% of its 454 credit unions with $1 billion – $10 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 126th. Problem-loan coverage contributes the most (96/100, 2.1%); earnings contributes the least (63/100, 1.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.49%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.26%
Earnings63/100
Return on assets (annualized): 1.07%
Funding & liquidity78/100
Loans ÷ shares: 82.1% · 11.9% 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 (73 → 76), mostly because the earnings component improved by 14 points.

TellerScore
737577Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202475
Q4 202475
Q1 202574
Q2 202573
Q3 202574
Q4 202573
Q1 202677
Q2 202676
Net worth ratio
7.00%9.42%11.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.62%
Q3 202411.68%
Q4 202411.83%
Q1 202511.63%
Q2 202511.59%
Q3 202511.54%
Q4 202511.37%
Q1 202611.35%
Q2 202611.49%
Delinquent loans (60+ days)
0.21%0.28%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.25%
Q3 20240.31%
Q4 20240.30%
Q1 20250.21%
Q2 20250.33%
Q3 20250.28%
Q4 20250.35%
Q1 20260.29%
Q2 20260.26%
Return on assets
0.73%0.97%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20241.00%
Q4 20240.91%
Q1 20250.73%
Q2 20250.73%
Q3 20250.92%
Q4 20250.85%
Q1 20261.22%
Q2 20261.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$1.3B11.49%0.26%1.07%82.1%
Q1 202677$1.3B11.35%0.29%1.22%81.0%
Q4 202573$1.3B11.37%0.35%0.85%83.1%
Q3 202574$1.3B11.54%0.28%0.92%85.1%
Q2 202573$1.2B11.59%0.33%0.73%85.1%
Q1 202574$1.2B11.63%0.21%0.73%84.7%
Q4 202475$1.2B11.83%0.30%0.91%85.7%
Q3 202475$1.2B11.68%0.31%1.00%86.9%
Q2 202475$1.1B11.62%0.25%0.93%86.2%

454 peers · $1 billion – $10 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 ratio11.49%
62nd
Problem loans0.26%
93rd
Net charge-offs0.29%
77th
Return on assets1.07%
72nd
Loans to deposits82.1%
66th
Uninsured deposits11.9%
28th
Loan-loss reserves0.00%
50th
Texas ratio2.1%
86th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Diamond Credit UnionCredit union Pottstown, PA75 out of 100, Strong$1.2B10.5%0.29%vs
First Commonwealth Federal Credit UnionCredit union Lehigh Valley, PA56 out of 100, Moderate$1.5B10.1%1.53%vs
Freedom Credit UnionCredit union Warminster, PA79 out of 100, Strong$1.5B13.4%0.81%vs
Utilities Employees Credit UnionCredit union Reading, PA77 out of 100, Strong$1.5B15.7%1.26%vs
People First Federal Credit UnionCredit union Allentown, PA51 out of 100, Below average$1.0B7.6%1.10%vs
Merck Sharp & Dohme Federal Credit UnionCredit union Chalfont, PA71 out of 100, Strong$1.0B9.7%0.39%vs

Deposit insurance

Is my money safe at Patriot Federal Credit Union?

Yes. Patriot Federal Credit Union is a federally insured credit union (NCUA charter #16574). 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 11.9% of shares and deposits ($141.6M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.49%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Patriot Federal Credit Union lists 4 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Patriot Federal Credit Union
Type
Federal credit union
NCUA charter #
16574
RSSD ID
630984
Primary regulator
NCUA
Established
1965
Headquarters
P.O. Box 778, Chambersburg, PA 17201
Employees
239

Quick answers

Patriot Federal Credit Union: common questions

Is Patriot Federal Credit Union NCUA insured?

Yes. Patriot Federal Credit Union is a federally insured credit union (NCUA charter #16574). 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 Patriot 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 Patriot Federal Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Chambersburg

InstitutionScoreAssetsCapitalProblem loansCompare
Washington County Teachers Federal Credit UnionCredit union Hagerstown, MD92 out of 100, Very strong$96.5M15.3%0.15%vs
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
1st Ed Credit UnionCredit union Chambersburg, PA83 out of 100, Strong$138.2M15.9%0.50%vs
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs
ACNB BankBank Gettysburg, PA77 out of 100, Strong$3.3B11.2%0.40%vs
First United Bank & TrustBank Oakland, MD75 out of 100, Strong$2.1B11.6%0.31%vs