TellerScore

Phb Employees Federal Credit Union (NCUA charter #6277) is based in Fairview, Pennsylvania. Its Q2 2026 call report shows $8.2M in total assets and $6.5M in member shares and deposits.

Based on its Q2 2026 filing, Phb Employees Federal Credit Union scores 75/100, which we describe as strong. That is higher than 52% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 140th. Its strongest component is capital cushion (100/100; 20.80%), and its lowest is loan quality (32/100; 2.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.80%
Loan quality32/100
Loans 60+ days delinquent ÷ total loans: 2.05%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity100/100
Loans ÷ shares: 29.7% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.29%

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 (77 → 75), mostly because the loan quality component weakened by 9 points.

TellerScore
758697Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202497
Q3 202492
Q4 202495
Q1 202589
Q2 202577
Q3 202580
Q4 202589
Q1 202687
Q2 202675
Net worth ratio
7.00%13.90%20.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.29%
Q3 202420.70%
Q4 202420.48%
Q1 202520.65%
Q2 202520.21%
Q3 202520.72%
Q4 202520.04%
Q1 202619.77%
Q2 202620.80%
Delinquent loans (60+ days)
0.00%1.03%2.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.54%
Q4 20240.10%
Q1 20250.33%
Q2 20251.77%
Q3 20251.55%
Q4 20250.40%
Q1 20260.39%
Q2 20262.05%
Return on assets
0.79%1.21%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.59%
Q3 20241.63%
Q4 20241.49%
Q1 20250.93%
Q2 20251.07%
Q3 20251.18%
Q4 20251.08%
Q1 20260.79%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$8.2M20.80%2.05%1.10%29.7%
Q1 202687$8.5M19.77%0.39%0.79%28.9%
Q4 202589$8.3M20.04%0.40%1.08%31.0%
Q3 202580$7.9M20.72%1.55%1.18%34.0%
Q2 202577$8.0M20.21%1.77%1.07%35.0%
Q1 202589$7.7M20.65%0.33%0.93%37.2%
Q4 202495$7.6M20.48%0.10%1.49%37.9%
Q3 202492$7.5M20.70%0.54%1.63%40.6%
Q2 202497$7.8M19.29%0.00%1.59%39.9%

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 ratio20.80%
80th
Problem loans2.05%
20th
Net charge-offs1.15%
12th
Return on assets1.10%
72nd
Loans to deposits29.7%
89th
Uninsured deposits0.0%
81st
Loan-loss reserves0.88%
81st
Texas ratio2.3%
49th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Erie City Employees Federal Credit UnionCredit union Erie, PA89 out of 100, Very strong$8.2M22.7%0.10%vs
Team First Federal Credit UnionCredit union Lancaster, PA47 out of 100, Below average$8.1M13.5%3.30%vs
Allegheny Central Federal Credit UnionCredit union Dunbar, PA95 out of 100, Very strong$8.2M20.8%0.18%vs
Crayola Llc Employees Credit UnionCredit union Easton, PA68 out of 100, Moderate$8.3M21.9%2.11%vs
U F C W Local 1776 Federal Credit UnionCredit union Plymouth Meetin, PA82 out of 100, Strong$8.4M14.0%0.12%vs
U.F.C.W. Local 23 Federal Credit UnionCredit union Canonsburg, PA59 out of 100, Moderate$8.4M16.4%3.68%vs

Deposit insurance

Is my money safe at Phb Employees Federal Credit Union?

Yes. Phb Employees Federal Credit Union is a federally insured credit union (NCUA charter #6277). 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 20.80%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Phb Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
6277
RSSD ID
722889
Primary regulator
NCUA
Established
1949
Headquarters
7773 West Ridge Road, Box 241, Fairview, PA 16415
Employees
3

Quick answers

Phb Employees Federal Credit Union: common questions

Is Phb Employees Federal Credit Union NCUA insured?

Yes. Phb Employees Federal Credit Union is a federally insured credit union (NCUA charter #6277). 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 Phb Employees Federal Credit Union's TellerScore?

75 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.