TellerScore

Headquartered in Bellefonte, Pennsylvania, Penn State Federal Credit Union is a federal credit union with $274.4M in total assets and $238.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1959.

Penn State Federal Credit Union has a TellerScore of 93 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 21st. Funding & liquidity contributes the most (100/100, 56% loans-to-deposits, 5% uninsured); loan quality contributes the least (89/100, 0.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion90/100
Net worth ratio: 14.01%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.33%
Earnings94/100
Return on assets (annualized): 1.86%
Funding & liquidity100/100
Loans ÷ shares: 56.4% · 4.9% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.17%

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 10 points (83 → 93), mostly because the earnings component improved by 45 points.

TellerScore
748493Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202482
Q4 202484
Q1 202574
Q2 202583
Q3 202586
Q4 202588
Q1 202693
Q2 202693
Net worth ratio
7.00%10.50%14.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.07%
Q3 202412.45%
Q4 202413.15%
Q1 202512.98%
Q2 202513.31%
Q3 202513.69%
Q4 202513.88%
Q1 202613.94%
Q2 202614.01%
Delinquent loans (60+ days)
0.22%0.43%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.48%
Q3 20240.63%
Q4 20240.62%
Q1 20250.49%
Q2 20250.25%
Q3 20250.28%
Q4 20250.25%
Q1 20260.22%
Q2 20260.33%
Return on assets
0.04%0.95%1.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.30%
Q3 20241.46%
Q4 20241.46%
Q1 20250.04%
Q2 20250.72%
Q3 20251.05%
Q4 20251.23%
Q1 20261.83%
Q2 20261.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$274.4M14.01%0.33%1.86%56.4%
Q1 202693$270.2M13.94%0.22%1.83%58.1%
Q4 202588$259.2M13.88%0.25%1.23%58.9%
Q3 202586$254.6M13.69%0.28%1.05%58.3%
Q2 202583$252.9M13.31%0.25%0.72%56.5%
Q1 202574$253.0M12.98%0.49%0.04%55.4%
Q4 202484$250.9M13.15%0.62%1.46%53.0%
Q3 202482$249.7M12.45%0.63%1.46%54.3%
Q2 202481$263.7M12.07%0.48%1.30%55.0%

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 ratio14.01%
79th
Problem loans0.33%
80th
Net charge-offs0.02%
95th
Return on assets1.86%
96th
Loans to deposits56.4%
83rd
Uninsured deposits4.9%
61st
Loan-loss reserves0.00%
50th
Texas ratio1.2%
87th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Bhcu Credit UnionCredit union Ridley Park, PA70 out of 100, Strong$276.2M11.9%0.67%vs
Top Tier Federal Credit UnionCredit union Clarion, PA71 out of 100, Strong$277.5M10.0%0.60%vs
Penn East Federal Credit UnionCredit union Scranton, PA74 out of 100, Strong$280.4M10.6%0.20%vs
Allegent Community Federal Credit UnionCredit union Pittsburgh, PA68 out of 100, Moderate$281.2M17.3%1.46%vs
Century Heritage Federal Credit UnionCredit union Pittsburgh, PA72 out of 100, Strong$289.5M11.5%0.75%vs
Hidden River Credit UnionCredit union Pottsville, PA73 out of 100, Strong$258.8M9.3%0.31%vs

Deposit insurance

Is my money safe at Penn State Federal Credit Union?

Yes. Penn State Federal Credit Union is a federally insured credit union (NCUA charter #12729). 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 4.9% of shares and deposits ($11.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.01%, 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 State Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Penn State Federal Credit Union
Type
Federal credit union
NCUA charter #
12729
RSSD ID
573586
Primary regulator
NCUA
Established
1959
Headquarters
123 Amberleigh Ln, Bellefonte, PA 16823
Employees
42

Quick answers

Penn State Federal Credit Union: common questions

Is Penn State Federal Credit Union NCUA insured?

Yes. Penn State Federal Credit Union is a federally insured credit union (NCUA charter #12729). 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 State Federal Credit Union's TellerScore?

93 out of 100 (Very 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 State Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bellefonte

InstitutionScoreAssetsCapitalProblem loansCompare
Titan Federal Credit UnionCredit union Pleasant Gap, PA94 out of 100, Very strong$69.5M15.4%0.31%vs
MCS BankBank Milroy, PA73 out of 100, Strong$224.7M11.7%0.36%vs
The Juniata Valley BankBank Mifflintown, PA70 out of 100, Strong$917.9M8.6%0.05%vs
Pennsylvania Central Federal Credit UnionCredit union Harrisburg, PA70 out of 100, Strong$138.9M10.6%0.63%vs
Timberland Federal Credit UnionCredit union Dubois, PA68 out of 100, Moderate$102.0M10.2%0.76%vs
Reliance Savings BankBank Altoona, PA67 out of 100, Moderate$648.9M12.2%0.26%vs