TellerScore

Headquartered in Wilkes Barre, Pennsylvania, Saint Nicholas Federal Credit Union is a federal credit union with $3.6M in total assets and $3.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1938.

Based on its Q2 2026 filing, Saint Nicholas Federal Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 93rd. Its strongest component is capital cushion (100/100; 14.99%), and its lowest is earnings (55/100; 0.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 14.99%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.85%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity87/100
Loans ÷ shares: 73.7% · 0.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.49%

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 8 points (73 → 81), mostly because the earnings component improved by 37 points.

TellerScore
587388Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202458
Q4 202463
Q1 202562
Q2 202573
Q3 202558
Q4 202575
Q1 202688
Q2 202681
Net worth ratio
7.00%11.00%14.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.13%
Q3 202414.86%
Q4 202414.54%
Q1 202514.92%
Q2 202514.92%
Q3 202514.83%
Q4 202514.63%
Q1 202614.82%
Q2 202614.99%
Delinquent loans (60+ days)
0.00%1.59%3.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20243.17%
Q4 20241.82%
Q1 20252.37%
Q2 20250.77%
Q3 20252.72%
Q4 20250.58%
Q1 20260.13%
Q2 20260.85%
Return on assets
-0.05%0.51%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.75%
Q3 20240.59%
Q4 20240.07%
Q1 20250.42%
Q2 2025-0.05%
Q3 20250.31%
Q4 20250.07%
Q1 20261.06%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$3.6M14.99%0.85%0.87%73.7%
Q1 202688$3.6M14.82%0.13%1.06%75.8%
Q4 202575$3.6M14.63%0.58%0.07%78.0%
Q3 202558$3.6M14.83%2.72%0.31%77.4%
Q2 202573$3.5M14.92%0.77%-0.05%78.9%
Q1 202562$3.5M14.92%2.37%0.42%78.9%
Q4 202463$3.6M14.54%1.82%0.07%78.8%
Q3 202458$3.6M14.86%3.17%0.59%78.5%
Q2 202485$3.8M14.13%0.00%0.75%77.2%

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 ratio14.99%
54th
Problem loans0.85%
44th
Net charge-offs0.69%
21st
Return on assets0.87%
62nd
Loans to deposits73.7%
27th
Uninsured deposits0.0%
81st
Loan-loss reserves0.40%
76th
Texas ratio3.5%
39th

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Deposit insurance

Is my money safe at Saint Nicholas Federal Credit Union?

Yes. Saint Nicholas Federal Credit Union is a federally insured credit union (NCUA charter #2583). 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 14.99%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Saint Nicholas Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Saint Nicholas Federal Credit Union
Type
Federal credit union
NCUA charter #
2583
RSSD ID
951979
Primary regulator
NCUA
Established
1938
Headquarters
PO Box 1213, Wilkes Barre, PA 18703
Employees
8

Quick answers

Saint Nicholas Federal Credit Union: common questions

Is Saint Nicholas Federal Credit Union NCUA insured?

Yes. Saint Nicholas Federal Credit Union is a federally insured credit union (NCUA charter #2583). 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 Saint Nicholas Federal Credit Union's TellerScore?

81 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 Saint Nicholas Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Wilkes Barre

InstitutionScoreAssetsCapitalProblem loansCompare
P & G Mehoopany Employees Federal Credit UnionCredit union Tunkhannock, PA95 out of 100, Very strong$195.3M14.8%0.14%vs
Corner Post Federal Credit UnionCredit union Wilkes Barre, PA92 out of 100, Very strong$99.4M17.7%0.91%vs
Citymark Federal Credit UnionCredit union Plains, PA86 out of 100, Very strong$152.2M16.2%0.88%vs
Ufcw Community Federal Credit UnionCredit union Wyoming, PA86 out of 100, Very strong$181.4M15.3%1.18%vs
The Honesdale National BankBank Honesdale, PA84 out of 100, Strong$1.2B13.7%0.24%vs
PS BankBank Wyalusing, PA83 out of 100, Strong$674.5M11.2%0.10%vs