TellerScore

Vasco Federal Credit Union is a federal credit union headquartered in Latrobe, Pennsylvania, in business for about 59 years. At the end of Q2 2026 it reported $36.7M in total assets and $32.4M in member shares and deposits, with 2 offices.

Vasco Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 188th. Funding & liquidity contributes the most (100/100, 17% loans-to-deposits, 1% uninsured); earnings contributes the least (43/100, 0.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.56%
Loan quality59/100
Loans 60+ days delinquent ÷ total loans: 1.23%
Earnings43/100
Return on assets (annualized): 0.56%
Funding & liquidity100/100
Loans ÷ shares: 17.0% · 1.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.85%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 68).

TellerScore
586776Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202474
Q4 202471
Q1 202570
Q2 202569
Q3 202558
Q4 202574
Q1 202667
Q2 202668
Net worth ratio
7.00%9.44%11.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.02%
Q3 202411.34%
Q4 202411.50%
Q1 202511.03%
Q2 202511.34%
Q3 202511.85%
Q4 202511.88%
Q1 202611.80%
Q2 202611.56%
Delinquent loans (60+ days)
0.50%1.75%3.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.50%
Q3 20240.87%
Q4 20241.24%
Q1 20251.08%
Q2 20251.53%
Q3 20253.01%
Q4 20251.03%
Q1 20261.34%
Q2 20261.23%
Return on assets
0.48%0.85%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.13%
Q4 20241.05%
Q1 20250.92%
Q2 20251.20%
Q3 20251.21%
Q4 20251.05%
Q1 20260.48%
Q2 20260.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$36.7M11.56%1.23%0.56%17.0%
Q1 202667$35.5M11.80%1.34%0.48%18.4%
Q4 202574$34.9M11.88%1.03%1.05%20.2%
Q3 202558$34.5M11.85%3.01%1.21%20.5%
Q2 202569$35.2M11.34%1.53%1.20%19.9%
Q1 202570$35.0M11.03%1.08%0.92%19.2%
Q4 202471$32.8M11.50%1.24%1.05%20.8%
Q3 202474$32.7M11.34%0.87%1.13%21.3%
Q2 202476$32.7M11.02%0.50%1.07%20.5%

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 ratio11.56%
28th
Problem loans1.23%
33rd
Net charge-offs0.04%
63rd
Return on assets0.56%
45th
Loans to deposits17.0%
96th
Uninsured deposits1.0%
54th
Loan-loss reserves0.00%
37th
Texas ratio1.8%
54th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Franklin Johnstown Federal Credit UnionCredit union Johnstown, PA79 out of 100, Strong$37.3M13.7%0.42%vs
Central Susquehanna Community Federal Credit UnionCredit union Danville, PA82 out of 100, Strong$37.4M12.1%0.00%vs
Hazleton School Employees Credit UnionCredit union Hazleton, PA80 out of 100, Strong$35.4M21.8%1.96%vs
Reliance Federal Credit UnionCredit union King of Prussia, PA70 out of 100, Strong$35.3M12.5%1.05%vs
Highway Federal Credit UnionCredit union Hughestown, PA75 out of 100, Strong$35.0M18.1%2.00%vs
Norwin Teachers Federal Credit UnionCredit union North Huntingdo, PA73 out of 100, Strong$38.8M10.8%0.73%vs

Deposit insurance

Is my money safe at Vasco Federal Credit Union?

Yes. Vasco Federal Credit Union is a federally insured credit union (NCUA charter #18301). 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 1.0% of shares and deposits ($322K) 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 11.56%, 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

Vasco Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Vasco Federal Credit Union
Type
Federal credit union
NCUA charter #
18301
RSSD ID
400383
Primary regulator
NCUA
Established
1967
Headquarters
432 Depot St, Latrobe, PA 15650
Employees
5

Quick answers

Vasco Federal Credit Union: common questions

Is Vasco Federal Credit Union NCUA insured?

Yes. Vasco Federal Credit Union is a federally insured credit union (NCUA charter #18301). 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 Vasco Federal Credit Union's TellerScore?

68 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 Vasco Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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