TellerScore

Philadelphia Federal Credit Union is a federal credit union headquartered in Philadelphia, Pennsylvania, in business for about 75 years. At the end of Q2 2026 it reported $2.0B in total assets and $1.8B in member shares and deposits, with 8 offices.

Based on its Q2 2026 filing, Philadelphia Federal Credit Union scores 71/100, which we describe as strong. That is higher than 62% of 454 credit unions with $1 billion – $10 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 166th. Its strongest component is funding & liquidity (89/100; 72% loans-to-deposits, 8% uninsured), and its lowest is earnings (46/100; 0.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Net worth ratio: 12.51%
Loan quality67/100
Loans 60+ days delinquent ÷ total loans: 0.99%
Earnings46/100
Return on assets (annualized): 0.64%
Funding & liquidity89/100
Loans ÷ shares: 71.7% · 8.2% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.67%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 71).

TellerScore
697274Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202472
Q4 202471
Q1 202570
Q2 202572
Q3 202572
Q4 202569
Q1 202672
Q2 202671
Net worth ratio
7.00%10.51%14.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.02%
Q3 202413.79%
Q4 202413.49%
Q1 202513.06%
Q2 202513.18%
Q3 202513.15%
Q4 202512.75%
Q1 202612.52%
Q2 202612.51%
Delinquent loans (60+ days)
0.85%1.04%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.18%
Q3 20241.22%
Q4 20241.20%
Q1 20250.98%
Q2 20251.09%
Q3 20251.03%
Q4 20251.21%
Q1 20260.85%
Q2 20260.99%
Return on assets
0.35%0.50%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.63%
Q3 20240.57%
Q4 20240.57%
Q1 20250.35%
Q2 20250.65%
Q3 20250.63%
Q4 20250.62%
Q1 20260.56%
Q2 20260.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$2.0B12.51%0.99%0.64%71.7%
Q1 202672$2.0B12.52%0.85%0.56%70.3%
Q4 202569$1.9B12.75%1.21%0.62%72.3%
Q3 202572$1.9B13.15%1.03%0.63%74.1%
Q2 202572$1.9B13.18%1.09%0.65%71.5%
Q1 202570$1.8B13.06%0.98%0.35%70.2%
Q4 202471$1.8B13.49%1.20%0.57%71.9%
Q3 202472$1.7B13.79%1.22%0.57%72.3%
Q2 202474$1.7B14.02%1.18%0.63%70.4%

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 ratio12.51%
74th
Problem loans0.99%
28th
Net charge-offs0.56%
45th
Return on assets0.64%
33rd
Loans to deposits71.7%
84th
Uninsured deposits8.2%
60th
Loan-loss reserves0.00%
50th
Texas ratio5.7%
40th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Clearview Federal Credit UnionCredit union Moon Township, PA69 out of 100, Moderate$2.2B11.2%0.69%vs
Franklin Mint Federal Credit UnionCredit union Chadds Ford, PA57 out of 100, Moderate$2.2B8.7%0.83%vs
Utilities Employees Credit UnionCredit union Reading, PA77 out of 100, Strong$1.5B15.7%1.26%vs
Freedom Credit UnionCredit union Warminster, PA79 out of 100, Strong$1.5B13.4%0.81%vs
First Commonwealth Federal Credit UnionCredit union Lehigh Valley, PA56 out of 100, Moderate$1.5B10.1%1.53%vs
Patriot Federal Credit UnionCredit union Chambersburg, PA76 out of 100, Strong$1.3B11.5%0.26%vs

Deposit insurance

Is my money safe at Philadelphia Federal Credit Union?

Yes. Philadelphia Federal Credit Union is a federally insured credit union (NCUA charter #7238). 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 8.2% of shares and deposits ($146.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.51%, well 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

Philadelphia Federal Credit Union lists 8 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Philadelphia Federal Credit Union reported 2,369 home-loan applications under HMDA (LEI 549300DYB1ZT3UOGPL20): 1,376 originated ($241,720,000 total), 917 denied, and 34 withdrawn or closed by the applicant. Its denial rate on decided applications was 39.3%, 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
Philadelphia Federal Credit Union
Type
Federal credit union
NCUA charter #
7238
RSSD ID
543084
Primary regulator
NCUA
Established
1951
Headquarters
12800 Townsend Rd, Philadelphia, PA 19154
Employees
303

Quick answers

Philadelphia Federal Credit Union: common questions

Is Philadelphia Federal Credit Union NCUA insured?

Yes. Philadelphia Federal Credit Union is a federally insured credit union (NCUA charter #7238). 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 Philadelphia Federal Credit Union's TellerScore?

71 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 Philadelphia Federal Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Philadelphia

InstitutionScoreAssetsCapitalProblem loansCompare
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
Police & Fire Federal Credit UnionCredit union Philadelphia, PA96 out of 100, Very strong$10.2B18.6%0.24%vs
Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH95 out of 100, Very strong$45.5M17.8%0.34%vs
Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
The Philadelphia Trust CompanyBank Philadelphia, PA93 out of 100, Very strong$27.7M71.8%0.00%vs
New Jersey Law and Public Safety Credit UnionCredit union Trenton, NJ93 out of 100, Very strong$63.9M19.6%0.31%vs