TellerScore

Headquartered in Wilkes Barre, Pennsylvania, Vantage Trust Federal Credit Union is a federal credit union with $47.7M in total assets and $44.4M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1948.

Based on its Q2 2026 filing, Vantage Trust Federal Credit Union scores 50/100, which we describe as below average. That is higher than only 9% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 253rd. Its strongest component is funding & liquidity (100/100; 33% loans-to-deposits, 7% uninsured), and its lowest is earnings (22/100; 0.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion23/100
Net worth ratio: 7.28%
Loan quality59/100
Loans 60+ days delinquent ÷ total loans: 1.23%
Earnings22/100
Return on assets (annualized): 0.04%
Funding & liquidity100/100
Loans ÷ shares: 33.0% · 6.5% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.80%

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 (48 → 50), mostly because the earnings component improved by 3 points.

TellerScore
444750Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202444
Q3 202447
Q4 202445
Q1 202544
Q2 202548
Q3 202544
Q4 202549
Q1 202649
Q2 202650
Net worth ratio
7.00%7.17%7.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.11%
Q3 20247.32%
Q4 20247.27%
Q1 20257.03%
Q2 20257.17%
Q3 20257.30%
Q4 20257.33%
Q1 20267.19%
Q2 20267.28%
Delinquent loans (60+ days)
1.13%1.51%1.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.63%
Q3 20241.40%
Q4 20241.74%
Q1 20251.43%
Q2 20251.30%
Q3 20251.89%
Q4 20251.35%
Q1 20261.13%
Q2 20261.23%
Return on assets
-0.27%-0.11%0.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.09%
Q3 2024-0.02%
Q4 20240.02%
Q1 2025-0.27%
Q2 2025-0.03%
Q3 20250.06%
Q4 20250.05%
Q1 2026-0.08%
Q2 20260.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$47.7M7.28%1.23%0.04%33.0%
Q1 202649$48.0M7.19%1.13%-0.08%34.6%
Q4 202549$47.2M7.33%1.35%0.05%34.0%
Q3 202544$47.7M7.30%1.89%0.06%36.9%
Q2 202548$48.2M7.17%1.30%-0.03%39.0%
Q1 202544$48.8M7.03%1.43%-0.27%41.4%
Q4 202445$47.6M7.27%1.74%0.02%37.3%
Q3 202447$47.4M7.32%1.40%-0.02%38.2%
Q2 202444$48.6M7.11%1.63%-0.09%39.5%

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 ratio7.28%
2nd
Problem loans1.23%
33rd
Net charge-offs0.47%
28th
Return on assets0.04%
21st
Loans to deposits33.0%
86th
Uninsured deposits6.5%
15th
Loan-loss reserves0.00%
37th
Texas ratio5.8%
25th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Bessemer System Federal Credit UnionCredit union Greenville, PA74 out of 100, Strong$47.3M11.7%0.65%vs
Prr South Fork Federal Credit UnionCredit union South Fork, PA90 out of 100, Very strong$48.8M20.8%0.10%vs
Earning Tree Federal Credit UnionCredit union Wilkes Barre, PA46 out of 100, Below average$49.4M10.2%3.89%vs
North Districts Credit UnionCredit union Gibsonia, PA65 out of 100, Moderate$45.4M15.4%4.70%vs
Glass Cap Federal Credit UnionCredit union Connellsville, PA89 out of 100, Very strong$45.4M18.3%0.76%vs
3hill Credit UnionCredit union Blue Bell, PA61 out of 100, Moderate$50.0M12.0%2.12%vs

Deposit insurance

Is my money safe at Vantage Trust Federal Credit Union?

Yes. Vantage Trust Federal Credit Union is a federally insured credit union (NCUA charter #5867). 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 6.5% of shares and deposits ($2.9M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 7.28%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Vantage Trust Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Vantage Trust Federal Credit Union
Type
Federal credit union
NCUA charter #
5867
RSSD ID
832975
Primary regulator
NCUA
Established
1948
Headquarters
247 Wilkes-Barre Township Blvd, Wilkes Barre, PA 18702
Employees
9

Quick answers

Vantage Trust Federal Credit Union: common questions

Is Vantage Trust Federal Credit Union NCUA insured?

Yes. Vantage Trust Federal Credit Union is a federally insured credit union (NCUA charter #5867). 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 Vantage Trust Federal Credit Union's TellerScore?

50 out of 100 (Below average), 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 Vantage Trust Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Wilkes Barre

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
Ufcw Community Federal Credit UnionCredit union Wyoming, PA86 out of 100, Very strong$181.4M15.3%1.18%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