TellerScore

Headquartered in Greensburg, Pennsylvania, Pheple Federal Credit Union is a federal credit union with $134.0M in total assets and $121.1M in member shares and deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1951.

Pheple Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 214th. Problem-loan coverage contributes the most (90/100, 5.0%); capital cushion contributes the least (46/100, 9.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.55%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.57%
Earnings50/100
Return on assets (annualized): 0.76%
Funding & liquidity67/100
Loans ÷ shares: 93.4% · 1.2% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.99%

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 (60 → 63), mostly because the earnings component improved by 13 points.

TellerScore
555963Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202455
Q3 202456
Q4 202457
Q1 202558
Q2 202560
Q3 202558
Q4 202557
Q1 202660
Q2 202663
Net worth ratio
7.00%8.28%9.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.87%
Q3 20249.12%
Q4 20249.06%
Q1 20259.35%
Q2 20259.54%
Q3 20259.41%
Q4 20259.22%
Q1 20269.11%
Q2 20269.55%
Delinquent loans (60+ days)
0.56%0.72%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.88%
Q3 20240.80%
Q4 20240.78%
Q1 20250.56%
Q2 20250.63%
Q3 20250.71%
Q4 20250.75%
Q1 20260.61%
Q2 20260.57%
Return on assets
0.03%0.39%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.21%
Q3 20240.34%
Q4 20240.32%
Q1 20250.03%
Q2 20250.41%
Q3 20250.32%
Q4 20250.28%
Q1 20260.49%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$134.0M9.55%0.57%0.76%93.4%
Q1 202660$136.8M9.11%0.61%0.49%87.0%
Q4 202557$133.4M9.22%0.75%0.28%88.2%
Q3 202558$132.1M9.41%0.71%0.32%88.8%
Q2 202560$129.7M9.54%0.63%0.41%88.8%
Q1 202558$133.5M9.35%0.56%0.03%83.8%
Q4 202457$132.4M9.06%0.78%0.32%84.2%
Q3 202456$120.6M9.12%0.80%0.34%90.1%
Q2 202455$122.0M8.87%0.88%0.21%84.9%

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 ratio9.55%
21st
Problem loans0.57%
59th
Net charge-offs0.33%
53rd
Return on assets0.76%
51st
Loans to deposits93.4%
10th
Uninsured deposits1.2%
94th
Loan-loss reserves0.00%
50th
Texas ratio5.0%
40th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Lesco Federal Credit UnionCredit union Latrobe, PA83 out of 100, Strong$134.7M14.9%1.36%vs
C-B-W Schools Federal Credit UnionCredit union Sidman, PA91 out of 100, Very strong$131.8M29.8%0.33%vs
Heritage Valley Federal Credit UnionCredit union York, PA56 out of 100, Moderate$131.3M7.8%1.21%vs
Choice One Community Federal Credit UnionCredit union Plains Township, PA45 out of 100, Below average$130.9M10.1%2.86%vs
Tri Boro Federal Credit UnionCredit union Munhall, PA76 out of 100, Strong$130.6M14.5%0.94%vs
1st Ed Credit UnionCredit union Chambersburg, PA83 out of 100, Strong$138.2M15.9%0.50%vs

Deposit insurance

Is my money safe at Pheple Federal Credit Union?

Yes. Pheple Federal Credit Union is a federally insured credit union (NCUA charter #7297). 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 1.2% of shares and deposits ($1.5M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.55%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Pheple Federal Credit Union lists 8 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pheple Federal Credit Union reported 148 home-loan applications under HMDA (LEI 5493003IFQ2Y89ZUY019): 120 originated ($9,810,000 total), 9 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.9%, 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
Pheple Federal Credit Union
Type
Federal credit union
NCUA charter #
7297
RSSD ID
608983
Primary regulator
NCUA
Established
1951
Headquarters
230 Theobold Ave, Greensburg, PA 15601
Employees
66

Quick answers

Pheple Federal Credit Union: common questions

Is Pheple Federal Credit Union NCUA insured?

Yes. Pheple Federal Credit Union is a federally insured credit union (NCUA charter #7297). 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 Pheple Federal Credit Union's TellerScore?

63 out of 100 (Moderate), 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 Pheple Federal Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Greensburg

InstitutionScoreAssetsCapitalProblem loansCompare
Penn-Trafford School Emp. Federal Credit UnionCredit union Trafford, PA99 out of 100, Very strong$5.3M21.2%0.00%vs
VA Pittsburgh Employees Federal Credit UnionCredit union Pittsburgh, PA98 out of 100, Very strong$26.8M17.6%0.15%vs
Westmoreland Water Federal Credit UnionCredit union Greensburg, PA97 out of 100, Very strong$23.5M18.9%0.12%vs
Mt Pleasant Area School Emp Federal Credit UnionCredit union Mount Pleasant, PA97 out of 100, Very strong$2.3M25.4%0.00%vs
Firstenergy Choice Federal Credit UnionCredit union Greensburg, PA93 out of 100, Very strong$51.6M21.3%0.19%vs
United Community Federal Credit UnionCredit union West Mifflin, PA90 out of 100, Very strong$129.1M13.3%0.06%vs