TellerScore

Stanwood Area Federal Credit Union (NCUA charter #4088) is based in New Stanton, Pennsylvania. Its Q2 2026 call report shows $18.6M in total assets and $16.6M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Stanwood Area Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 24% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 219th. Its strongest component is funding & liquidity (96/100; 65% loans-to-deposits, 1% uninsured), and its lowest is earnings (32/100; 0.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.45%
Loan quality64/100
Loans 60+ days delinquent ÷ total loans: 1.07%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity96/100
Loans ÷ shares: 64.6% · 0.7% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.92%

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 7 points (55 → 62), mostly because the loan quality component improved by 28 points.

TellerScore
505763Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202450
Q4 202455
Q1 202553
Q2 202555
Q3 202558
Q4 202558
Q1 202663
Q2 202662
Net worth ratio
7.00%8.77%10.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.11%
Q3 202410.41%
Q4 202410.38%
Q1 20259.74%
Q2 202510.16%
Q3 202510.22%
Q4 202510.54%
Q1 202610.45%
Q2 202610.45%
Delinquent loans (60+ days)
1.04%1.67%2.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.36%
Q3 20242.30%
Q4 20241.81%
Q1 20251.81%
Q2 20251.92%
Q3 20251.55%
Q4 20251.57%
Q1 20261.04%
Q2 20261.07%
Return on assets
0.21%0.37%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.21%
Q3 20240.39%
Q4 20240.37%
Q1 20250.28%
Q2 20250.53%
Q3 20250.41%
Q4 20250.36%
Q1 20260.32%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$18.6M10.45%1.07%0.30%64.6%
Q1 202663$18.4M10.45%1.04%0.32%63.6%
Q4 202558$18.2M10.54%1.57%0.36%64.8%
Q3 202558$18.6M10.22%1.55%0.41%62.2%
Q2 202555$18.7M10.16%1.92%0.53%63.1%
Q1 202553$19.1M9.74%1.81%0.28%60.8%
Q4 202455$17.8M10.38%1.81%0.37%66.6%
Q3 202450$17.4M10.41%2.30%0.39%68.2%
Q2 202457$17.6M10.11%1.36%0.21%66.7%

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 ratio10.45%
20th
Problem loans1.07%
37th
Net charge-offs0.51%
27th
Return on assets0.30%
31st
Loans to deposits64.6%
41st
Uninsured deposits0.7%
56th
Loan-loss reserves0.00%
37th
Texas ratio5.9%
24th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Southwest Communities Federal Credit UnionCredit union Carnegie, PA69 out of 100, Moderate$18.6M10.3%0.17%vs
Cal-Ed Federal Credit UnionCredit union California, PA55 out of 100, Moderate$19.2M14.1%3.50%vs
Saint Vincent Erie Federal Credit UnionCredit union Erie, PA77 out of 100, Strong$17.9M12.2%0.86%vs
Altoona Area Employees Federal Credit UnionCredit union Altoona, PA84 out of 100, Strong$19.4M11.5%0.00%vs
Alleg-Kiski Postal Federal Credit UnionCredit union New Kensington, PA78 out of 100, Strong$19.5M19.0%1.84%vs
Armstrong Co. Federal Emp. Federal Credit UnionCredit union Kittanning, PA84 out of 100, Strong$17.6M15.4%0.64%vs

Deposit insurance

Is my money safe at Stanwood Area Federal Credit Union?

Yes. Stanwood Area Federal Credit Union is a federally insured credit union (NCUA charter #4088). 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 0.7% of shares and deposits ($123K) 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 10.45%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Stanwood Area Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • New Stanton, PA (1)
  • N Huntingdon, PA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Stanwood Area Federal Credit Union
Type
Federal credit union
NCUA charter #
4088
RSSD ID
272777
Primary regulator
NCUA
Established
1940
Headquarters
444 Arona Rd, New Stanton, PA 15672
Employees
5

Quick answers

Stanwood Area Federal Credit Union: common questions

Is Stanwood Area Federal Credit Union NCUA insured?

Yes. Stanwood Area Federal Credit Union is a federally insured credit union (NCUA charter #4088). 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 Stanwood Area Federal Credit Union's TellerScore?

62 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 Stanwood Area Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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