TellerScore

Tri County Area Federal Credit Union is a federal credit union headquartered in Pottstown, Pennsylvania, in business for about 77 years. At the end of Q2 2026 it reported $215.6M in total assets and $193.0M in member shares and deposits, with 4 offices.

Tri County Area Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 210th. Funding & liquidity contributes the most (100/100, 57% loans-to-deposits, 5% uninsured); loan quality contributes the least (48/100, 1.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Net worth ratio: 10.62%
Loan quality48/100
Loans 60+ days delinquent ÷ total loans: 1.57%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity100/100
Loans ÷ shares: 57.0% · 4.6% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.56%

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 13 points (77 → 64), mostly because the loan quality component weakened by 49 points.

TellerScore
647178Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202477
Q4 202478
Q1 202576
Q2 202577
Q3 202578
Q4 202577
Q1 202672
Q2 202664
Net worth ratio
7.00%8.94%10.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.84%
Q3 202410.22%
Q4 202410.43%
Q1 202510.16%
Q2 202510.23%
Q3 202510.61%
Q4 202510.88%
Q1 202610.63%
Q2 202610.62%
Delinquent loans (60+ days)
0.09%0.83%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.26%
Q3 20240.24%
Q4 20240.16%
Q1 20250.11%
Q2 20250.09%
Q3 20250.11%
Q4 20250.27%
Q1 20260.56%
Q2 20261.57%
Return on assets
0.82%1.08%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.35%
Q3 20241.29%
Q4 20241.24%
Q1 20250.95%
Q2 20250.99%
Q3 20251.05%
Q4 20251.06%
Q1 20260.82%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$215.6M10.62%1.57%0.90%57.0%
Q1 202672$210.4M10.63%0.56%0.82%58.8%
Q4 202577$201.6M10.88%0.27%1.06%61.9%
Q3 202578$201.5M10.61%0.11%1.05%62.0%
Q2 202577$203.2M10.23%0.09%0.99%60.5%
Q1 202576$199.4M10.16%0.11%0.95%60.8%
Q4 202478$189.7M10.43%0.16%1.24%64.7%
Q3 202477$188.3M10.22%0.24%1.29%64.9%
Q2 202476$190.2M9.84%0.26%1.35%62.3%

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 ratio10.62%
38th
Problem loans1.57%
12th
Net charge-offs0.34%
53rd
Return on assets0.90%
60th
Loans to deposits57.0%
82nd
Uninsured deposits4.6%
65th
Loan-loss reserves0.00%
50th
Texas ratio7.6%
23rd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Chrome Federal Credit UnionCredit union Canonsburg, PA77 out of 100, Strong$223.6M15.3%0.89%vs
New Cumberland Federal Credit UnionCredit union New Cumberland, PA66 out of 100, Moderate$228.6M9.5%0.74%vs
P & G Mehoopany Employees Federal Credit UnionCredit union Tunkhannock, PA95 out of 100, Very strong$195.3M14.8%0.14%vs
Mon Valley Community Federal Credit UnionCredit union Allenport, PA77 out of 100, Strong$193.4M32.8%2.76%vs
Discovery Federal Credit UnionCredit union Wyomissing, PA72 out of 100, Strong$193.2M11.5%0.48%vs
Americhoice Federal Credit UnionCredit union Mechanicsburg, PA66 out of 100, Moderate$240.4M12.4%1.72%vs

Deposit insurance

Is my money safe at Tri County Area Federal Credit Union?

Yes. Tri County Area Federal Credit Union is a federally insured credit union (NCUA charter #6269). 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 4.6% of shares and deposits ($8.8M) 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 10.62%, 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

Tri County Area Federal Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Tri County Area Federal Credit Union reported 86 home-loan applications under HMDA (LEI 549300W6S818WBYBBJ66): 60 originated ($5,180,000 total), 4 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, 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
Tri County Area Federal Credit Union
Type
Federal credit union
NCUA charter #
6269
RSSD ID
783488
Primary regulator
NCUA
Established
1949
Headquarters
1550 Medical Dr, Pottstown, PA 19464
Employees
43

Quick answers

Tri County Area Federal Credit Union: common questions

Is Tri County Area Federal Credit Union NCUA insured?

Yes. Tri County Area Federal Credit Union is a federally insured credit union (NCUA charter #6269). 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 Tri County Area Federal Credit Union's TellerScore?

64 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 Tri County Area Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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