TellerScore

Titan Federal Credit Union (NCUA charter #1882) is based in Pleasant Gap, Pennsylvania. Its Q2 2026 call report shows $69.5M in total assets and $58.8M in member shares and deposits and 2 offices across 2 states.

Titan Federal Credit Union has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 17th. Capital cushion contributes the most (100/100, 15.43%); earnings contributes the least (82/100, 1.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.43%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings82/100
Return on assets (annualized): 1.56%
Funding & liquidity100/100
Loans ÷ shares: 55.8% · 2.6% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.94%

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 2 points (92 → 94), mostly because the loan quality component improved by 3 points.

TellerScore
879296Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202488
Q4 202489
Q1 202593
Q2 202592
Q3 202594
Q4 202589
Q1 202696
Q2 202694
Net worth ratio
7.00%11.28%15.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.54%
Q3 202415.33%
Q4 202415.38%
Q1 202515.19%
Q2 202515.37%
Q3 202515.56%
Q4 202515.08%
Q1 202615.18%
Q2 202615.43%
Delinquent loans (60+ days)
0.07%0.28%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.21%
Q3 20240.49%
Q4 20240.48%
Q1 20250.31%
Q2 20250.40%
Q3 20250.25%
Q4 20250.34%
Q1 20260.07%
Q2 20260.31%
Return on assets
0.99%1.28%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.05%
Q3 20241.21%
Q4 20241.26%
Q1 20251.51%
Q2 20251.53%
Q3 20251.57%
Q4 20250.99%
Q1 20261.53%
Q2 20261.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$69.5M15.43%0.31%1.56%55.8%
Q1 202696$68.9M15.18%0.07%1.53%54.5%
Q4 202589$67.6M15.08%0.34%0.99%56.6%
Q3 202594$66.3M15.56%0.25%1.57%60.3%
Q2 202592$65.3M15.37%0.40%1.53%62.4%
Q1 202593$64.3M15.19%0.31%1.51%63.6%
Q4 202489$62.0M15.38%0.48%1.26%68.1%
Q3 202488$60.7M15.33%0.49%1.21%71.7%
Q2 202487$62.5M14.54%0.21%1.05%70.5%

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 ratio15.43%
57th
Problem loans0.31%
68th
Net charge-offs0.02%
66th
Return on assets1.56%
86th
Loans to deposits55.8%
54th
Uninsured deposits2.6%
39th
Loan-loss reserves0.00%
37th
Texas ratio0.9%
66th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Wheatland Federal Credit UnionCredit union Lancaster, PA66 out of 100, Moderate$69.9M8.6%0.24%vs
Friendly Federal Credit UnionCredit union Aliquippa, PA63 out of 100, Moderate$69.1M17.0%4.66%vs
Access Credit UnionCredit union Bristol, PA78 out of 100, Strong$70.3M11.8%0.16%vs
Spirit Financial Credit UnionCredit union Levittown, PA76 out of 100, Strong$67.7M13.4%0.41%vs
Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
Sru Federal Credit UnionCredit union Slippery Rock, PA83 out of 100, Strong$67.1M12.8%0.54%vs

Deposit insurance

Is my money safe at Titan Federal Credit Union?

Yes. Titan Federal Credit Union is a federally insured credit union (NCUA charter #1882). 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 2.6% of shares and deposits ($1.6M) 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 15.43%, well 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

Titan Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Titan Federal Credit Union reported 63 home-loan applications under HMDA (LEI 254900ON5KYAZSCPF582): 62 originated ($4,270,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.6%, 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
Titan Federal Credit Union
Type
Federal credit union
NCUA charter #
1882
RSSD ID
189277
Primary regulator
NCUA
Established
1937
Headquarters
114 Mack Ave, Pleasant Gap, PA 16823
Employees
5

Quick answers

Titan Federal Credit Union: common questions

Is Titan Federal Credit Union NCUA insured?

Yes. Titan Federal Credit Union is a federally insured credit union (NCUA charter #1882). 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 Titan Federal Credit Union's TellerScore?

94 out of 100 (Very 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 Titan Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Pleasant Gap

InstitutionScoreAssetsCapitalProblem loansCompare
Penn State Federal Credit UnionCredit union Bellefonte, PA93 out of 100, Very strong$274.4M14.0%0.33%vs
MCS BankBank Milroy, PA73 out of 100, Strong$224.7M11.7%0.36%vs
The Juniata Valley BankBank Mifflintown, PA70 out of 100, Strong$917.9M8.6%0.05%vs
Pennsylvania Central Federal Credit UnionCredit union Harrisburg, PA70 out of 100, Strong$138.9M10.6%0.63%vs
Timberland Federal Credit UnionCredit union Dubois, PA68 out of 100, Moderate$102.0M10.2%0.76%vs
Reliance Savings BankBank Altoona, PA67 out of 100, Moderate$648.9M12.2%0.26%vs