TellerScore

Headquartered in Williamsport, Pennsylvania, West Branch Valley Federal Credit Union is a federal credit union with $50.8M in total assets and $45.4M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1952.

Based on its Q2 2026 filing, West Branch Valley Federal Credit Union scores 73/100, which we describe as strong. That is higher than only 47% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 155th. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is capital cushion (46/100; 9.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.57%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.21%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity86/100
Loans ÷ shares: 74.3% · 2.8% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.46%

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 9 points (64 → 73), mostly because the earnings component improved by 29 points.

TellerScore
596673Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202462
Q3 202459
Q4 202460
Q1 202564
Q2 202564
Q3 202565
Q4 202568
Q1 202667
Q2 202673
Net worth ratio
7.00%8.29%9.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20247.93%
Q3 20248.23%
Q4 20248.49%
Q1 20258.71%
Q2 20258.69%
Q3 20258.92%
Q4 20259.14%
Q1 20269.16%
Q2 20269.57%
Delinquent loans (60+ days)
0.21%0.55%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.34%
Q3 20240.73%
Q4 20240.88%
Q1 20250.90%
Q2 20250.46%
Q3 20250.47%
Q4 20250.21%
Q1 20260.32%
Q2 20260.21%
Return on assets
0.35%0.78%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.35%
Q3 20240.35%
Q4 20240.48%
Q1 20250.88%
Q2 20250.50%
Q3 20250.62%
Q4 20250.65%
Q1 20260.64%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$50.8M9.57%0.21%1.22%74.3%
Q1 202667$50.7M9.16%0.32%0.64%70.2%
Q4 202568$49.5M9.14%0.21%0.65%68.6%
Q3 202565$49.3M8.92%0.47%0.62%68.0%
Q2 202564$49.9M8.69%0.46%0.50%63.1%
Q1 202564$49.5M8.71%0.90%0.88%56.8%
Q4 202460$49.0M8.49%0.88%0.48%58.0%
Q3 202459$49.3M8.23%0.73%0.35%58.8%
Q2 202462$50.7M7.93%0.34%0.35%56.9%

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 ratio9.57%
13th
Problem loans0.21%
73rd
Net charge-offs0.30%
39th
Return on assets1.22%
77th
Loans to deposits74.3%
27th
Uninsured deposits2.8%
38th
Loan-loss reserves0.00%
37th
Texas ratio1.5%
59th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Finanta Federal Credit UnionCredit union Lancaster, PA73 out of 100, Strong$50.9M12.4%1.64%vs
3hill Credit UnionCredit union Blue Bell, PA61 out of 100, Moderate$50.0M12.0%2.12%vs
Firstenergy Choice Federal Credit UnionCredit union Greensburg, PA93 out of 100, Very strong$51.6M21.3%0.19%vs
Earning Tree Federal Credit UnionCredit union Wilkes Barre, PA46 out of 100, Below average$49.4M10.2%3.89%vs
Prr South Fork Federal Credit UnionCredit union South Fork, PA90 out of 100, Very strong$48.8M20.8%0.10%vs
Moonlight Federal Credit UnionCredit union Worthington, PA94 out of 100, Very strong$53.6M17.9%0.06%vs

Deposit insurance

Is my money safe at West Branch Valley Federal Credit Union?

Yes. West Branch Valley Federal Credit Union is a federally insured credit union (NCUA charter #7821). 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 2.8% of shares and deposits ($1.3M) 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 9.57%, 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

West Branch Valley Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
West Branch Valley Federal Credit Union
Type
Federal credit union
NCUA charter #
7821
RSSD ID
155085
Primary regulator
NCUA
Established
1952
Headquarters
1640 High Street, Williamsport, PA 17701
Employees
16

Quick answers

West Branch Valley Federal Credit Union: common questions

Is West Branch Valley Federal Credit Union NCUA insured?

Yes. West Branch Valley Federal Credit Union is a federally insured credit union (NCUA charter #7821). 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 West Branch Valley Federal Credit Union's TellerScore?

73 out of 100 (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 West Branch Valley Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Williamsport

InstitutionScoreAssetsCapitalProblem loansCompare
Montoursville Area Federal Credit UnionCredit union Montoursville, PA91 out of 100, Very strong$6.2M14.2%0.03%vs
Palco Federal Credit UnionCredit union Muncy, PA87 out of 100, Very strong$109.3M13.1%0.20%vs
Williamsport Teachers Credit UnionCredit union South Williamsp, PA85 out of 100, Very strong$15.6M19.5%0.56%vs
The Turbotville National BankBank Turbotville, PA85 out of 100, Very strong$243.5M16.5%1.10%vs
Wyrope Williamsport Federal Credit UnionCredit union S Williamsport, PA81 out of 100, Strong$43.8M14.6%1.08%vs
Service 1st Federal Credit UnionCredit union Danville, PA71 out of 100, Strong$837.1M11.1%0.49%vs