TellerScore

Tendto Federal Credit Union is a federal credit union headquartered in Erie, Pennsylvania, in business for about 50 years. At the end of Q2 2026 it reported $141.3M in total assets and $127.9M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Tendto Federal Credit Union scores 61/100, which we describe as moderate. That is higher than only 24% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 222nd. Its strongest component is funding & liquidity (100/100; 59% loans-to-deposits, 2% uninsured), and its lowest is earnings (31/100; 0.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Net worth ratio: 8.31%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.51%
Earnings31/100
Return on assets (annualized): 0.28%
Funding & liquidity100/100
Loans ÷ shares: 58.8% · 2.5% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.28%

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.

7 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (58 → 61), mostly because the loan quality component improved by 8 points.

TellerScore
586062Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q4 202462
Q1 202561
Q2 202558
Q3 202561
Q4 202558
Q1 202659
Q2 202661
Net worth ratio
7.00%7.69%8.38%well-capitalized benchmarkQ4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q4 20248.37%
Q1 20257.95%
Q2 20257.91%
Q3 20258.38%
Q4 20258.29%
Q1 20268.15%
Q2 20268.31%
Delinquent loans (60+ days)
0.51%0.66%0.82%Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q4 20240.52%
Q1 20250.53%
Q2 20250.74%
Q3 20250.73%
Q4 20250.82%
Q1 20260.68%
Q2 20260.51%
Return on assets
0.25%0.34%0.43%Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q4 20240.31%
Q1 20250.39%
Q2 20250.38%
Q3 20250.43%
Q4 20250.27%
Q1 20260.25%
Q2 20260.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$141.3M8.31%0.51%0.28%58.8%
Q1 202659$143.7M8.15%0.68%0.25%51.9%
Q4 202558$140.2M8.29%0.82%0.27%53.8%
Q3 202561$139.6M8.38%0.73%0.43%51.0%
Q2 202558$145.7M7.91%0.74%0.38%49.4%
Q1 202561$144.3M7.95%0.53%0.39%49.8%
Q4 202462$135.4M8.37%0.52%0.31%54.3%

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 ratio8.31%
6th
Problem loans0.51%
63rd
Net charge-offs0.49%
36th
Return on assets0.28%
15th
Loans to deposits58.8%
79th
Uninsured deposits2.5%
87th
Loan-loss reserves0.00%
50th
Texas ratio3.3%
58th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
The One Federal Credit UnionCredit union Meadville, PA61 out of 100, Moderate$139.3M8.7%0.38%vs
Pennsylvania Central Federal Credit UnionCredit union Harrisburg, PA70 out of 100, Strong$138.9M10.6%0.63%vs
1st Ed Credit UnionCredit union Chambersburg, PA83 out of 100, Strong$138.2M15.9%0.50%vs
Lesco Federal Credit UnionCredit union Latrobe, PA83 out of 100, Strong$134.7M14.9%1.36%vs
Pheple Federal Credit UnionCredit union Greensburg, PA63 out of 100, Moderate$134.0M9.6%0.57%vs
C-B-W Schools Federal Credit UnionCredit union Sidman, PA91 out of 100, Very strong$131.8M29.8%0.33%vs

Deposit insurance

Is my money safe at Tendto Federal Credit Union?

Yes. Tendto Federal Credit Union is a federally insured credit union (NCUA charter #24965). 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 2.5% of shares and deposits ($3.2M) 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 8.31%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Tendto Federal Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Tendto Federal Credit Union
Type
Federal credit union
NCUA charter #
24965
RSSD ID
755896
Primary regulator
NCUA
Established
1976
Headquarters
1129 State Street, Erie, PA 16501
Employees
32

Quick answers

Tendto Federal Credit Union: common questions

Is Tendto Federal Credit Union NCUA insured?

Yes. Tendto Federal Credit Union is a federally insured credit union (NCUA charter #24965). 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 Tendto Federal Credit Union's TellerScore?

61 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 Tendto Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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