TellerScore

Ufcw Community Federal Credit Union (NCUA charter #10973) is based in Wyoming, Pennsylvania. Its Q2 2026 call report shows $181.4M in total assets and $158.9M in member shares and deposits and 5 offices.

Based on its Q2 2026 filing, Ufcw Community Federal Credit Union scores 86/100, which we describe as very strong. That is higher than 89% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 60th. Its strongest component is capital cushion (100/100; 15.35%), and its lowest is loan quality (61/100; 1.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.35%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.18%
Earnings80/100
Return on assets (annualized): 1.51%
Funding & liquidity100/100
Loans ÷ shares: 36.6% · 2.6% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.52%

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 5 points (81 → 86), mostly because the loan quality component improved by 17 points.

TellerScore
758187Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202475
Q4 202478
Q1 202582
Q2 202581
Q3 202587
Q4 202587
Q1 202684
Q2 202686
Net worth ratio
7.00%11.24%15.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.25%
Q3 202413.69%
Q4 202414.21%
Q1 202514.02%
Q2 202514.51%
Q3 202515.14%
Q4 202515.48%
Q1 202615.11%
Q2 202615.35%
Delinquent loans (60+ days)
1.18%1.50%1.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.37%
Q3 20241.63%
Q4 20241.83%
Q1 20251.24%
Q2 20251.67%
Q3 20251.24%
Q4 20251.29%
Q1 20261.34%
Q2 20261.18%
Return on assets
1.07%1.45%1.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.24%
Q4 20241.63%
Q1 20251.56%
Q2 20251.73%
Q3 20251.74%
Q4 20251.83%
Q1 20261.48%
Q2 20261.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$181.4M15.35%1.18%1.51%36.6%
Q1 202684$179.5M15.11%1.34%1.48%37.0%
Q4 202587$170.9M15.48%1.29%1.83%40.0%
Q3 202587$168.7M15.14%1.24%1.74%41.2%
Q2 202581$171.1M14.51%1.67%1.73%41.0%
Q1 202582$171.2M14.02%1.24%1.56%39.3%
Q4 202478$164.3M14.21%1.83%1.63%41.4%
Q3 202475$161.9M13.69%1.63%1.24%43.5%
Q2 202475$162.5M13.25%1.37%1.07%44.5%

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 ratio15.35%
87th
Problem loans1.18%
22nd
Net charge-offs0.44%
41st
Return on assets1.51%
89th
Loans to deposits36.6%
97th
Uninsured deposits2.6%
86th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
69th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Arize Federal Credit UnionCredit union State College, PA40 out of 100, Below average$175.9M7.8%2.12%vs
Omega Federal Credit UnionCredit union Wexford, PA64 out of 100, Moderate$186.9M11.0%0.99%vs
Priority First Federal Credit UnionCredit union Du Bois, PA77 out of 100, Strong$187.3M12.1%0.81%vs
Frick Financial Federal Credit UnionCredit union Uniontown, PA60 out of 100, Moderate$174.7M12.9%2.97%vs
Mountain Laurel Federal Credit UnionCredit union Saint Marys, PA99 out of 100, Very strong$174.2M19.7%0.08%vs
Ussco Johnstown Federal Credit UnionCredit union Johnstown, PA78 out of 100, Strong$173.7M12.5%0.37%vs

Deposit insurance

Is my money safe at Ufcw Community Federal Credit Union?

Yes. Ufcw Community Federal Credit Union is a federally insured credit union (NCUA charter #10973). 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 ($4.2M) 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 15.35%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Ufcw Community Federal Credit Union lists 5 offices in 4 cities. Most locations:

  • Hanover Township, PA (2)
  • Kingston, PA (1)
  • Pittston, PA (1)
  • Wyoming, PA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Ufcw Community Federal Credit Union reported 30 home-loan applications under HMDA (LEI 2549001CXZMOEGURA883): 30 originated ($3,060,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Ufcw Community Federal Credit Union
Type
Federal credit union
NCUA charter #
10973
RSSD ID
811185
Primary regulator
NCUA
Established
1956
Headquarters
PO Box 4258, Wyoming, PA 18644
Employees
44

Quick answers

Ufcw Community Federal Credit Union: common questions

Is Ufcw Community Federal Credit Union NCUA insured?

Yes. Ufcw Community Federal Credit Union is a federally insured credit union (NCUA charter #10973). 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 Ufcw Community Federal Credit Union's TellerScore?

86 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 Ufcw Community Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Wyoming

InstitutionScoreAssetsCapitalProblem loansCompare
P & G Mehoopany Employees Federal Credit UnionCredit union Tunkhannock, PA95 out of 100, Very strong$195.3M14.8%0.14%vs
Corner Post Federal Credit UnionCredit union Wilkes Barre, PA92 out of 100, Very strong$99.4M17.7%0.91%vs
Citymark Federal Credit UnionCredit union Plains, PA86 out of 100, Very strong$152.2M16.2%0.88%vs
The Honesdale National BankBank Honesdale, PA84 out of 100, Strong$1.2B13.7%0.24%vs
PS BankBank Wyalusing, PA83 out of 100, Strong$674.5M11.2%0.10%vs
Saint Nicholas Federal Credit UnionCredit union Wilkes Barre, PA81 out of 100, Strong$3.6M15.0%0.85%vs