TellerScore

Penn Federal Credit Union (NCUA charter #20207) is based in Philadelphia, Pennsylvania. Its Q2 2026 call report shows $54.1M in total assets and $39.3M in member shares and deposits and 2 offices.

Penn Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 172nd. Capital cushion contributes the most (100/100, 24.81%); loan quality contributes the least (33/100, 2.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 24.81%
Loan quality33/100
Loans 60+ days delinquent ÷ total loans: 2.02%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity100/100
Loans ÷ shares: 44.1% · 4.6% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.60%

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 2 points (73 → 71), mostly because the loan quality component weakened by 19 points.

TellerScore
677073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202471
Q4 202469
Q1 202570
Q2 202573
Q3 202573
Q4 202570
Q1 202670
Q2 202671
Net worth ratio
7.00%15.90%24.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.57%
Q3 202423.16%
Q4 202423.25%
Q1 202523.70%
Q2 202523.71%
Q3 202524.07%
Q4 202524.16%
Q1 202624.37%
Q2 202624.81%
Delinquent loans (60+ days)
1.42%1.72%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.86%
Q3 20241.66%
Q4 20241.63%
Q1 20251.56%
Q2 20251.45%
Q3 20251.42%
Q4 20251.84%
Q1 20261.92%
Q2 20262.02%
Return on assets
-0.11%0.20%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.11%
Q3 20240.11%
Q4 2024-0.08%
Q1 2025-0.05%
Q2 20250.12%
Q3 20250.21%
Q4 20250.26%
Q1 20260.25%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$54.1M24.81%2.02%0.52%44.1%
Q1 202670$54.6M24.37%1.92%0.25%43.6%
Q4 202570$54.5M24.16%1.84%0.26%46.7%
Q3 202573$54.5M24.07%1.42%0.21%45.6%
Q2 202573$55.1M23.71%1.45%0.12%45.5%
Q1 202570$54.9M23.70%1.56%-0.05%45.9%
Q4 202469$56.0M23.25%1.63%-0.08%46.5%
Q3 202471$56.2M23.16%1.66%0.11%46.5%
Q2 202467$57.5M22.57%1.86%-0.11%44.6%

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 ratio24.81%
88th
Problem loans2.02%
21st
Net charge-offs1.40%
9th
Return on assets0.52%
43rd
Loans to deposits44.1%
72nd
Uninsured deposits4.6%
23rd
Loan-loss reserves0.00%
37th
Texas ratio2.6%
46th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Glatco Credit UnionCredit union Spring Grove, PA90 out of 100, Very strong$54.1M16.2%0.79%vs
Elliott Community Federal Credit UnionCredit union Jeannette, PA86 out of 100, Very strong$53.7M15.2%0.38%vs
Moonlight Federal Credit UnionCredit union Worthington, PA94 out of 100, Very strong$53.6M17.9%0.06%vs
Lancaster Red Rose Credit UnionCredit union Leola, PA92 out of 100, Very strong$54.8M14.9%0.61%vs
Forge Federal Credit UnionCredit union Upper Darby, PA82 out of 100, Strong$55.9M20.5%1.83%vs
Pittsburgh City Hall Employees Federal Credit UnionCredit union Pittsburgh, PA54 out of 100, Below average$55.9M9.1%1.18%vs

Deposit insurance

Is my money safe at Penn Federal Credit Union?

Yes. Penn Federal Credit Union is a federally insured credit union (NCUA charter #20207). 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 4.6% of shares and deposits ($1.8M) 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 24.81%, 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

Penn Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Penn Federal Credit Union
Type
Federal credit union
NCUA charter #
20207
RSSD ID
346182
Primary regulator
NCUA
Established
1970
Headquarters
3131 Walnut St, Philadelphia, PA 19104
Employees
12

Quick answers

Penn Federal Credit Union: common questions

Is Penn Federal Credit Union NCUA insured?

Yes. Penn Federal Credit Union is a federally insured credit union (NCUA charter #20207). 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 Federal Credit Union's TellerScore?

71 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 Federal Credit Union have?

2 offices as of the latest NCUA data.

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