TellerScore

Penlanco Federal Credit Union is a federal credit union headquartered in Lancaster, Pennsylvania, in business for about 88 years. At the end of Q2 2026 it reported $26.9M in total assets and $23.5M in member shares and deposits.

Penlanco Federal Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 121st. Problem-loan coverage contributes the most (98/100, 0.8%); earnings contributes the least (37/100, 0.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Net worth ratio: 12.49%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.15%
Earnings37/100
Return on assets (annualized): 0.41%
Funding & liquidity87/100
Loans ÷ shares: 73.5% · 7.4% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.77%

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 (74 → 77), mostly because the earnings component improved by 18 points.

TellerScore
727577Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202473
Q4 202475
Q1 202575
Q2 202574
Q3 202575
Q4 202572
Q1 202675
Q2 202677
Net worth ratio
7.00%9.88%12.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.67%
Q3 202412.52%
Q4 202412.75%
Q1 202512.56%
Q2 202512.39%
Q3 202512.56%
Q4 202512.08%
Q1 202611.93%
Q2 202612.49%
Delinquent loans (60+ days)
0.00%0.19%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.13%
Q4 20240.00%
Q1 20250.01%
Q2 20250.00%
Q3 20250.13%
Q4 20250.38%
Q1 20260.15%
Q2 20260.15%
Return on assets
-0.07%0.17%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.07%
Q3 20240.00%
Q4 2024-0.00%
Q1 20250.06%
Q2 2025-0.02%
Q3 20250.19%
Q4 20250.24%
Q1 20260.40%
Q2 20260.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$26.9M12.49%0.15%0.41%73.5%
Q1 202675$28.0M11.93%0.15%0.40%70.9%
Q4 202572$27.4M12.08%0.38%0.24%69.9%
Q3 202575$26.1M12.56%0.13%0.19%77.1%
Q2 202574$26.1M12.39%0.00%-0.02%75.1%
Q1 202575$25.9M12.56%0.01%0.06%75.1%
Q4 202475$25.4M12.75%0.00%-0.00%75.2%
Q3 202473$25.9M12.52%0.13%0.00%74.7%
Q2 202474$25.5M12.67%0.00%-0.07%76.0%

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 ratio12.49%
35th
Problem loans0.15%
77th
Net charge-offs0.00%
77th
Return on assets0.41%
38th
Loans to deposits73.5%
28th
Uninsured deposits7.4%
12th
Loan-loss reserves0.00%
37th
Texas ratio0.8%
70th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Eqt Federal Credit UnionCredit union Pittsburgh, PA67 out of 100, Moderate$27.1M18.0%2.21%vs
VA Pittsburgh Employees Federal Credit UnionCredit union Pittsburgh, PA98 out of 100, Very strong$26.8M17.6%0.15%vs
Community Connect Federal Credit UnionCredit union Titusville, PA82 out of 100, Strong$27.4M12.7%0.59%vs
North East Welch Federal Credit UnionCredit union North East, PA82 out of 100, Strong$26.0M16.8%1.37%vs
Butler County Teachers Federal Credit UnionCredit union Butler, PA80 out of 100, Strong$28.9M13.8%1.85%vs
Paac Transit Division Federal Credit UnionCredit union Pittsburgh, PA76 out of 100, Strong$29.2M17.6%2.04%vs

Deposit insurance

Is my money safe at Penlanco Federal Credit Union?

Yes. Penlanco Federal Credit Union is a federally insured credit union (NCUA charter #2834). 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 7.4% of shares and deposits ($1.7M) 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 12.49%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Penlanco Federal Credit Union
Type
Federal credit union
NCUA charter #
2834
RSSD ID
907275
Primary regulator
NCUA
Established
1938
Headquarters
20E East Roseville Rd, Lancaster, PA 17601
Employees
5

Quick answers

Penlanco Federal Credit Union: common questions

Is Penlanco Federal Credit Union NCUA insured?

Yes. Penlanco Federal Credit Union is a federally insured credit union (NCUA charter #2834). 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 Penlanco Federal Credit Union's TellerScore?

77 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.