TellerScore

The One Federal Credit Union is a federal credit union headquartered in Meadville, Pennsylvania, in business for about 77 years. At the end of Q2 2026 it reported $139.3M in total assets and $125.7M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, The One 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 223rd. Its strongest component is problem-loan coverage (93/100; 3.3%), and its lowest is earnings (33/100; 0.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.74%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.38%
Earnings33/100
Return on assets (annualized): 0.34%
Funding & liquidity79/100
Loans ÷ shares: 81.5% · 6.8% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.32%

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 fell 2 points (63 → 61), mostly because the earnings component weakened by 7 points.

TellerScore
606366Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202464
Q4 202464
Q1 202561
Q2 202563
Q3 202564
Q4 202560
Q1 202660
Q2 202661
Net worth ratio
7.00%8.07%9.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.04%
Q3 20249.05%
Q4 20249.13%
Q1 20259.03%
Q2 20258.94%
Q3 20259.00%
Q4 20258.92%
Q1 20268.82%
Q2 20268.74%
Delinquent loans (60+ days)
0.33%0.51%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.57%
Q4 20240.53%
Q1 20250.48%
Q2 20250.36%
Q3 20250.33%
Q4 20250.68%
Q1 20260.42%
Q2 20260.38%
Return on assets
0.31%0.61%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.91%
Q3 20240.88%
Q4 20240.88%
Q1 20250.34%
Q2 20250.50%
Q3 20250.67%
Q4 20250.62%
Q1 20260.31%
Q2 20260.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$139.3M8.74%0.38%0.34%81.5%
Q1 202660$135.1M8.82%0.42%0.31%83.1%
Q4 202560$129.7M8.92%0.68%0.62%86.4%
Q3 202564$129.0M9.00%0.33%0.67%85.6%
Q2 202563$128.7M8.94%0.36%0.50%81.9%
Q1 202561$124.3M9.03%0.48%0.34%81.9%
Q4 202464$118.0M9.13%0.53%0.88%85.7%
Q3 202464$118.2M9.05%0.57%0.88%83.9%
Q2 202466$114.3M9.04%0.35%0.91%83.5%

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 ratio8.74%
10th
Problem loans0.38%
76th
Net charge-offs0.46%
38th
Return on assets0.34%
20th
Loans to deposits81.5%
37th
Uninsured deposits6.8%
41st
Loan-loss reserves0.00%
50th
Texas ratio3.3%
58th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
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
Tendto Federal Credit UnionCredit union Erie, PA61 out of 100, Moderate$141.3M8.3%0.51%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 The One Federal Credit Union?

Yes. The One Federal Credit Union is a federally insured credit union (NCUA charter #6187). 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 6.8% of shares and deposits ($8.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.74%, slightly 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

The One Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The One Federal Credit Union
Type
Federal credit union
NCUA charter #
6187
RSSD ID
899781
Primary regulator
NCUA
Established
1949
Headquarters
300 Arch St, Meadville, PA 16335
Employees
39

Quick answers

The One Federal Credit Union: common questions

Is The One Federal Credit Union NCUA insured?

Yes. The One Federal Credit Union is a federally insured credit union (NCUA charter #6187). 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 The One 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 The One Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Meadville

InstitutionScoreAssetsCapitalProblem loansCompare
Pennstar Federal Credit UnionCredit union Hermitage, PA81 out of 100, Strong$58.7M15.6%1.01%vs
New Directions Community Credit UnionCredit union Franklin, PA75 out of 100, Strong$40.7M14.5%0.76%vs
Bessemer System Federal Credit UnionCredit union Greenville, PA74 out of 100, Strong$47.3M11.7%0.65%vs
Greenville Savings BankBank Greenville, PA74 out of 100, Strong$342.7M12.8%0.17%vs
Marquette Savings BankBank Erie, PA73 out of 100, Strong$1.4B13.6%0.66%vs
The Andover BankBank Andover, OH72 out of 100, Strong$595.1M9.6%0.26%vs