TellerScore

Headquartered in Scranton, Pennsylvania, Penn East Federal Credit Union is a federal credit union with $280.4M in total assets and $257.0M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1938.

Penn East Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 144th. Funding & liquidity contributes the most (100/100, 49% loans-to-deposits, 4% uninsured); earnings contributes the least (46/100, 0.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Net worth ratio: 10.57%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.20%
Earnings46/100
Return on assets (annualized): 0.65%
Funding & liquidity100/100
Loans ÷ shares: 48.9% · 3.8% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.85%

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 6 points (68 → 74), mostly because the earnings component improved by 12 points.

TellerScore
687174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202469
Q4 202468
Q1 202570
Q2 202568
Q3 202573
Q4 202570
Q1 202674
Q2 202674
Net worth ratio
7.00%8.79%10.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.29%
Q3 202410.49%
Q4 202410.48%
Q1 202510.13%
Q2 202510.33%
Q3 202510.52%
Q4 202510.50%
Q1 202610.52%
Q2 202610.57%
Delinquent loans (60+ days)
0.01%0.24%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.01%
Q3 20240.46%
Q4 20240.47%
Q1 20250.16%
Q2 20250.47%
Q3 20250.15%
Q4 20250.46%
Q1 20260.19%
Q2 20260.20%
Return on assets
0.23%0.46%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.26%
Q4 20240.25%
Q1 20250.23%
Q2 20250.35%
Q3 20250.42%
Q4 20250.49%
Q1 20260.69%
Q2 20260.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$280.4M10.57%0.20%0.65%48.9%
Q1 202674$277.6M10.52%0.19%0.69%47.3%
Q4 202570$273.6M10.50%0.46%0.49%50.1%
Q3 202573$268.3M10.52%0.15%0.42%51.7%
Q2 202568$269.6M10.33%0.47%0.35%50.8%
Q1 202570$271.7M10.13%0.16%0.23%48.6%
Q4 202468$261.3M10.48%0.47%0.25%50.1%
Q3 202469$259.6M10.49%0.46%0.26%52.1%
Q2 202472$263.2M10.29%0.01%0.26%52.2%

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 ratio10.57%
37th
Problem loans0.20%
90th
Net charge-offs0.13%
81st
Return on assets0.65%
42nd
Loans to deposits48.9%
91st
Uninsured deposits3.8%
74th
Loan-loss reserves0.00%
50th
Texas ratio0.8%
91st

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Allegent Community Federal Credit UnionCredit union Pittsburgh, PA68 out of 100, Moderate$281.2M17.3%1.46%vs
Top Tier Federal Credit UnionCredit union Clarion, PA71 out of 100, Strong$277.5M10.0%0.60%vs
Bhcu Credit UnionCredit union Ridley Park, PA70 out of 100, Strong$276.2M11.9%0.67%vs
Penn State Federal Credit UnionCredit union Bellefonte, PA93 out of 100, Very strong$274.4M14.0%0.33%vs
Century Heritage Federal Credit UnionCredit union Pittsburgh, PA72 out of 100, Strong$289.5M11.5%0.75%vs
Cross Valley Federal Credit UnionCredit union Wilkes Barre, PA65 out of 100, Moderate$300.0M8.2%0.69%vs

Deposit insurance

Is my money safe at Penn East Federal Credit Union?

Yes. Penn East Federal Credit Union is a federally insured credit union (NCUA charter #2742). 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 3.8% of shares and deposits ($9.7M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.57%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Penn East Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Penn East Federal Credit Union reported 215 home-loan applications under HMDA (LEI 549300754PTUH541X764): 158 originated ($12,380,000 total), 29 denied, and 27 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Penn East Federal Credit Union
Type
Federal credit union
NCUA charter #
2742
RSSD ID
703477
Primary regulator
NCUA
Established
1938
Headquarters
441 N 7th Ave, Scranton, PA 18503
Employees
55

Quick answers

Penn East Federal Credit Union: common questions

Is Penn East Federal Credit Union NCUA insured?

Yes. Penn East Federal Credit Union is a federally insured credit union (NCUA charter #2742). 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 Penn East Federal Credit Union's TellerScore?

74 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 Penn East Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Scranton

InstitutionScoreAssetsCapitalProblem loansCompare
P & G Mehoopany Employees Federal Credit UnionCredit union Tunkhannock, PA95 out of 100, Very strong$195.3M14.8%0.14%vs
Corner Post Federal Credit UnionCredit union Wilkes Barre, PA92 out of 100, Very strong$99.4M17.7%0.91%vs
Citymark Federal Credit UnionCredit union Plains, PA86 out of 100, Very strong$152.2M16.2%0.88%vs
Ufcw Community Federal Credit UnionCredit union Wyoming, PA86 out of 100, Very strong$181.4M15.3%1.18%vs
The Honesdale National BankBank Honesdale, PA84 out of 100, Strong$1.2B13.7%0.24%vs
PS BankBank Wyalusing, PA83 out of 100, Strong$674.5M11.2%0.10%vs