TellerScore

Pennsylvania Central Federal Credit Union (NCUA charter #2625) is based in Harrisburg, Pennsylvania. Its Q2 2026 call report shows $138.9M in total assets and $123.9M in member shares and deposits and 6 offices across 2 states.

Pennsylvania Central Federal Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 179th. Funding & liquidity contributes the most (93/100, 67% loans-to-deposits, 6% uninsured); earnings contributes the least (52/100, 0.81%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Net worth ratio: 10.56%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.63%
Earnings52/100
Return on assets (annualized): 0.81%
Funding & liquidity93/100
Loans ÷ shares: 67.5% · 5.8% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.62%

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 5 points (65 → 70), mostly because the capital cushion component improved by 14 points.

TellerScore
626670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202462
Q4 202466
Q1 202563
Q2 202565
Q3 202570
Q4 202568
Q1 202669
Q2 202670
Net worth ratio
7.00%8.95%10.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.96%
Q3 20249.33%
Q4 20249.27%
Q1 20259.00%
Q2 20259.23%
Q3 202510.90%
Q4 202510.67%
Q1 202610.48%
Q2 202610.56%
Delinquent loans (60+ days)
0.52%0.77%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.69%
Q3 20241.01%
Q4 20240.73%
Q1 20250.70%
Q2 20250.52%
Q3 20250.56%
Q4 20250.82%
Q1 20260.59%
Q2 20260.63%
Return on assets
0.56%0.68%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.77%
Q3 20240.80%
Q4 20240.81%
Q1 20250.56%
Q2 20250.75%
Q3 20250.75%
Q4 20250.81%
Q1 20260.72%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$138.9M10.56%0.63%0.81%67.5%
Q1 202669$136.9M10.48%0.59%0.72%68.2%
Q4 202568$132.2M10.67%0.82%0.81%72.6%
Q3 202570$127.8M10.90%0.56%0.75%74.8%
Q2 202565$85.8M9.23%0.52%0.75%74.6%
Q1 202563$85.8M9.00%0.70%0.56%65.6%
Q4 202466$82.1M9.27%0.73%0.81%65.1%
Q3 202462$81.5M9.33%1.01%0.80%69.9%
Q2 202464$83.1M8.96%0.69%0.77%72.5%

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 ratio10.56%
37th
Problem loans0.63%
53rd
Net charge-offs0.58%
28th
Return on assets0.81%
55th
Loans to deposits67.5%
66th
Uninsured deposits5.8%
51st
Loan-loss reserves0.00%
50th
Texas ratio3.6%
55th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
The One Federal Credit UnionCredit union Meadville, PA61 out of 100, Moderate$139.3M8.7%0.38%vs
1st Ed Credit UnionCredit union Chambersburg, PA83 out of 100, Strong$138.2M15.9%0.50%vs
Tendto Federal Credit UnionCredit union Erie, PA61 out of 100, Moderate$141.3M8.3%0.51%vs
Lesco Federal Credit UnionCredit union Latrobe, PA83 out of 100, Strong$134.7M14.9%1.36%vs
Pheple Federal Credit UnionCredit union Greensburg, PA63 out of 100, Moderate$134.0M9.6%0.57%vs
C-B-W Schools Federal Credit UnionCredit union Sidman, PA91 out of 100, Very strong$131.8M29.8%0.33%vs

Deposit insurance

Is my money safe at Pennsylvania Central Federal Credit Union?

Yes. Pennsylvania Central Federal Credit Union is a federally insured credit union (NCUA charter #2625). 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 5.8% of shares and deposits ($7.2M) 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 10.56%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Pennsylvania Central Federal Credit Union lists 6 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Traditional9.90%$0$250.0%

All Pennsylvania Central Federal Credit Union card terms

Identity & history

Profile

Legal name
Pennsylvania Central Federal Credit Union
Type
Federal credit union
NCUA charter #
2625
RSSD ID
690670
Primary regulator
NCUA
Established
1938
Headquarters
959 East Park Drive, Harrisburg, PA 17111
Employees
28

Quick answers

Pennsylvania Central Federal Credit Union: common questions

Is Pennsylvania Central Federal Credit Union NCUA insured?

Yes. Pennsylvania Central Federal Credit Union is a federally insured credit union (NCUA charter #2625). 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 Pennsylvania Central Federal Credit Union's TellerScore?

70 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 Pennsylvania Central Federal Credit Union have?

6 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Harrisburg

InstitutionScoreAssetsCapitalProblem loansCompare
Penn-Trafford School Emp. Federal Credit UnionCredit union Trafford, PA99 out of 100, Very strong$5.3M21.2%0.00%vs
Susquehanna Valley Federal Credit UnionCredit union Camp Hill, PA90 out of 100, Very strong$86.9M12.3%0.07%vs
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
Central Susquehanna Community Federal Credit UnionCredit union Danville, PA82 out of 100, Strong$37.4M12.1%0.00%vs
First Capital Federal Credit UnionCredit union York, PA81 out of 100, Strong$368.5M11.9%0.20%vs
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs