TellerScore

University of Pennsylvania Students Federal Credit Union is a federal credit union headquartered in Philadelphia, Pennsylvania, in business for about 39 years. At the end of Q2 2026 it reported $4.4M in total assets and $3.6M in member shares and deposits, with 1 office.

University of Pennsylvania Students Federal Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 233rd. Capital cushion contributes the most (100/100, 18.25%); loan quality contributes the least (0/100, 4.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.25%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.20%
Earnings21/100
Return on assets (annualized): 0.02%
Funding & liquidity100/100
Loans ÷ shares: 2.0% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.37%

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 3 points (62 → 59), mostly because the loan quality component weakened by 27 points.

TellerScore
556473Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202470
Q4 202456
Q1 202555
Q2 202562
Q3 202558
Q4 202555
Q1 202673
Q2 202659
Net worth ratio
7.00%12.63%18.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.17%
Q3 202416.61%
Q4 202416.18%
Q1 202515.57%
Q2 202516.68%
Q3 202517.38%
Q4 202517.08%
Q1 202616.91%
Q2 202618.25%
Delinquent loans (60+ days)
2.18%4.62%7.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.31%
Q3 20242.52%
Q4 20245.00%
Q1 20257.06%
Q2 20252.18%
Q3 20252.68%
Q4 20254.02%
Q1 20262.52%
Q2 20264.20%
Return on assets
-2.19%-0.48%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.17%
Q3 20240.85%
Q4 2024-0.31%
Q1 2025-2.19%
Q2 2025-1.32%
Q3 2025-0.63%
Q4 2025-1.24%
Q1 20261.22%
Q2 20260.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$4.4M18.25%4.20%0.02%2.0%
Q1 202673$4.9M16.91%2.52%1.22%2.1%
Q4 202555$4.7M17.08%4.02%-1.24%2.8%
Q3 202558$4.8M17.38%2.68%-0.63%3.3%
Q2 202562$5.0M16.68%2.18%-1.32%4.1%
Q1 202555$5.3M15.57%7.06%-2.19%4.4%
Q4 202456$5.4M16.18%5.00%-0.31%5.0%
Q3 202470$5.5M16.61%2.52%0.85%5.9%
Q2 202466$5.5M16.17%2.31%0.17%6.9%

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 ratio18.25%
70th
Problem loans4.20%
8th
Net charge-offs8.47%
1st
Return on assets0.02%
20th
Loans to deposits2.0%
100th
Uninsured deposits0.0%
81st
Loan-loss reserves15.88%
99th
Texas ratio0.4%
77th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Avh Federal Credit UnionCredit union Natrona Heights, PA80 out of 100, Strong$4.4M37.7%0.85%vs
McKeesport Area Public School Emp Federal Credit UnionCredit union McKeesport, PA65 out of 100, Moderate$4.2M26.9%3.51%vs
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
Greensburg Teachers Credit UnionCredit union Greensburg, PA78 out of 100, Strong$4.7M14.3%0.00%vs
Cheswick Atomic Division Federal Credit UnionCredit union Harwick, PA89 out of 100, Very strong$4.8M33.9%0.09%vs
Multi-Schools Federal Credit UnionCredit union Wampum, PA63 out of 100, Moderate$4.9M13.3%1.09%vs

Deposit insurance

Is my money safe at University of Pennsylvania Students Federal Credit Union?

Yes. University of Pennsylvania Students Federal Credit Union is a federally insured credit union (NCUA charter #24290). 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 0.0% of shares and deposits ($0) 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 18.25%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

University of Pennsylvania Students Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
University of Pennsylvania Students Federal Credit Union
Type
Federal credit union
NCUA charter #
24290
RSSD ID
1176199
Primary regulator
NCUA
Established
1987
Headquarters
3401 Walnut St, Frnt 431A, Philadelphia, PA 19104
Employees
79

Quick answers

University of Pennsylvania Students Federal Credit Union: common questions

Is University of Pennsylvania Students Federal Credit Union NCUA insured?

Yes. University of Pennsylvania Students Federal Credit Union is a federally insured credit union (NCUA charter #24290). 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 University of Pennsylvania Students Federal Credit Union's TellerScore?

59 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 University of Pennsylvania Students Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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