TellerScore

People First Federal Credit Union is a federal credit union headquartered in Allentown, Pennsylvania, in business for about 76 years. At the end of Q2 2026 it reported $1.0B in total assets and $968.2M in member shares and deposits, with 6 offices.

People First Federal Credit Union has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 454 credit unions with $1 billion – $10 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 250th. Funding & liquidity contributes the most (82/100, 78% loans-to-deposits, 3% uninsured); capital cushion contributes the least (26/100, 7.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion26/100
Net worth ratio: 7.59%
Loan quality63/100
Loans 60+ days delinquent ÷ total loans: 1.10%
Earnings34/100
Return on assets (annualized): 0.36%
Funding & liquidity82/100
Loans ÷ shares: 78.0% · 3.5% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.53%

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 5 points (56 → 51), mostly because the loan quality component weakened by 9 points.

TellerScore
515559Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202453
Q4 202454
Q1 202559
Q2 202556
Q3 202555
Q4 202552
Q1 202653
Q2 202651
Net worth ratio
7.00%7.67%8.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.34%
Q3 20248.15%
Q4 20247.93%
Q1 20257.77%
Q2 20257.80%
Q3 20257.96%
Q4 20257.72%
Q1 20267.55%
Q2 20267.59%
Delinquent loans (60+ days)
0.52%0.81%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.62%
Q3 20240.70%
Q4 20240.60%
Q1 20250.52%
Q2 20250.84%
Q3 20250.93%
Q4 20251.11%
Q1 20260.90%
Q2 20261.10%
Return on assets
-0.24%0.09%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.23%
Q3 2024-0.24%
Q4 2024-0.15%
Q1 20250.36%
Q2 20250.38%
Q3 20250.42%
Q4 20250.39%
Q1 20260.28%
Q2 20260.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$1.0B7.59%1.10%0.36%78.0%
Q1 202653$1.0B7.55%0.90%0.28%70.5%
Q4 202552$998.7M7.72%1.11%0.39%72.0%
Q3 202555$958.3M7.96%0.93%0.42%74.1%
Q2 202556$963.6M7.80%0.84%0.38%70.7%
Q1 202559$954.6M7.77%0.52%0.36%67.9%
Q4 202454$923.8M7.93%0.60%-0.15%69.4%
Q3 202453$898.3M8.15%0.70%-0.24%71.1%
Q2 202455$883.9M8.34%0.62%-0.23%68.5%

454 peers · $1 billion – $10 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 ratio7.59%
1st
Problem loans1.10%
21st
Net charge-offs0.57%
43rd
Return on assets0.36%
14th
Loans to deposits78.0%
76th
Uninsured deposits3.5%
95th
Loan-loss reserves0.00%
50th
Texas ratio10.5%
14th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Merck Sharp & Dohme Federal Credit UnionCredit union Chalfont, PA71 out of 100, Strong$1.0B9.7%0.39%vs
Diamond Credit UnionCredit union Pottstown, PA75 out of 100, Strong$1.2B10.5%0.29%vs
Patriot Federal Credit UnionCredit union Chambersburg, PA76 out of 100, Strong$1.3B11.5%0.26%vs
First Commonwealth Federal Credit UnionCredit union Lehigh Valley, PA56 out of 100, Moderate$1.5B10.1%1.53%vs
Freedom Credit UnionCredit union Warminster, PA79 out of 100, Strong$1.5B13.4%0.81%vs
Utilities Employees Credit UnionCredit union Reading, PA77 out of 100, Strong$1.5B15.7%1.26%vs

Deposit insurance

Is my money safe at People First Federal Credit Union?

Yes. People First Federal Credit Union is a federally insured credit union (NCUA charter #6885). 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 3.5% of shares and deposits ($33.7M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 7.59%, slightly 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

People First Federal Credit Union lists 6 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, People First Federal Credit Union reported 905 home-loan applications under HMDA (LEI 5493007ZNQ6MSZ2J3966): 531 originated ($57,625,000 total), 276 denied, and 85 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.7%, 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
People First Federal Credit Union
Type
Federal credit union
NCUA charter #
6885
RSSD ID
335382
Primary regulator
NCUA
Established
1950
Headquarters
740 W Hamilton St Ste 300, Allentown, PA 18101
Employees
165

Quick answers

People First Federal Credit Union: common questions

Is People First Federal Credit Union NCUA insured?

Yes. People First Federal Credit Union is a federally insured credit union (NCUA charter #6885). 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 People First Federal Credit Union's TellerScore?

51 out of 100 (Below average), 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 People First Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Lehigh County Employees Federal Credit UnionCredit union Allentown, PA96 out of 100, Very strong$33.1M15.7%0.00%vs
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The Neffs National BankBank Neffs, PA87 out of 100, Very strong$470.8M16.8%0.04%vs
First National Bank and Trust Company of NewtownBank Newtown, PA87 out of 100, Very strong$1.2B12.9%0.00%vs