TellerScore

Penn-Trafford School Emp. Federal Credit Union is a federal credit union headquartered in Trafford, Pennsylvania, in business for about 61 years. At the end of Q2 2026 it reported $5.3M in total assets and $4.2M in member shares and deposits, with 2 offices.

Penn-Trafford School Emp. Federal Credit Union has a TellerScore of 99 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 4th. Its five components are fairly even, ranging from 94 to 100 out of 100.

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.24%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings94/100
Return on assets (annualized): 1.85%
Funding & liquidity100/100
Loans ÷ shares: 52.8% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 (96 → 99), mostly because the loan quality component improved by 16 points.

TellerScore
9698100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 2024100
Q3 202499
Q4 202499
Q1 202599
Q2 202596
Q3 202596
Q4 2025100
Q1 202698
Q2 202699
Net worth ratio
7.00%14.12%21.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.73%
Q3 202417.36%
Q4 202417.94%
Q1 202518.95%
Q2 202519.44%
Q3 202520.68%
Q4 202520.95%
Q1 202620.42%
Q2 202621.24%
Delinquent loans (60+ days)
0.00%0.25%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.13%
Q4 20240.12%
Q1 20250.12%
Q2 20250.48%
Q3 20250.51%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.72%2.40%3.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.08%
Q3 20242.84%
Q4 20242.71%
Q1 20252.23%
Q2 20252.27%
Q3 20252.33%
Q4 20252.28%
Q1 20261.72%
Q2 20261.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202699$5.3M21.24%0.00%1.85%52.8%
Q1 202698$5.4M20.42%0.00%1.72%48.3%
Q4 2025100$5.2M20.95%0.00%2.28%51.4%
Q3 202596$5.1M20.68%0.51%2.33%49.8%
Q2 202596$5.3M19.44%0.48%2.27%50.8%
Q1 202599$5.3M18.95%0.12%2.23%48.5%
Q4 202499$5.4M17.94%0.12%2.71%47.2%
Q3 202499$5.4M17.36%0.13%2.84%47.8%
Q2 2024100$5.1M17.73%0.00%3.08%55.5%

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 ratio21.24%
81st
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets1.85%
92nd
Loans to deposits52.8%
59th
Uninsured deposits0.0%
81st
Loan-loss reserves1.74%
88th
Texas ratio0.0%
93rd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Iron Workers Federal Credit UnionCredit union Pittsburgh, PA44 out of 100, Below average$5.4M6.0%1.09%vs
Newell Federal Credit UnionCredit union Newell, PA71 out of 100, Strong$5.7M10.7%0.00%vs
Multi-Schools Federal Credit UnionCredit union Wampum, PA63 out of 100, Moderate$4.9M13.3%1.09%vs
Cheswick Atomic Division Federal Credit UnionCredit union Harwick, PA89 out of 100, Very strong$4.8M33.9%0.09%vs
Greensburg Teachers Credit UnionCredit union Greensburg, PA78 out of 100, Strong$4.7M14.3%0.00%vs
Montoursville Area Federal Credit UnionCredit union Montoursville, PA91 out of 100, Very strong$6.2M14.2%0.03%vs

Deposit insurance

Is my money safe at Penn-Trafford School Emp. Federal Credit Union?

Yes. Penn-Trafford School Emp. Federal Credit Union is a federally insured credit union (NCUA charter #17014). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 21.24%, 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-Trafford School Emp. Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Middletown, PA (1)
  • Trafford, PA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Penn-Trafford School Emp. Federal Credit Union
Type
Federal credit union
NCUA charter #
17014
RSSD ID
988685
Primary regulator
NCUA
Established
1965
Headquarters
612 State Route 130 Apt 2, Trafford, PA 15085
Employees
1

Quick answers

Penn-Trafford School Emp. Federal Credit Union: common questions

Is Penn-Trafford School Emp. Federal Credit Union NCUA insured?

Yes. Penn-Trafford School Emp. Federal Credit Union is a federally insured credit union (NCUA charter #17014). 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-Trafford School Emp. Federal Credit Union's TellerScore?

99 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-Trafford School Emp. Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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