TellerScore

Headquartered in Erie, Pennsylvania, Widget Federal Credit Union is a federal credit union with $480.3M in total assets and $428.1M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1936.

Based on its Q2 2026 filing, Widget Federal Credit Union scores 73/100, which we describe as strong. That is higher than 60% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 152nd. Its strongest component is funding & liquidity (97/100; 63% loans-to-deposits, 3% uninsured), and its lowest is earnings (47/100; 0.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.71%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.36%
Earnings47/100
Return on assets (annualized): 0.69%
Funding & liquidity97/100
Loans ÷ shares: 63.4% · 3.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.89%

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 2 points (75 → 73), mostly because the earnings component weakened by 11 points.

TellerScore
717375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202472
Q4 202472
Q1 202572
Q2 202575
Q3 202574
Q4 202573
Q1 202671
Q2 202673
Net worth ratio
7.00%8.86%10.71%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.24%
Q3 202410.55%
Q4 202410.49%
Q1 202510.18%
Q2 202510.50%
Q3 202510.65%
Q4 202510.66%
Q1 202610.40%
Q2 202610.71%
Delinquent loans (60+ days)
0.30%0.39%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.37%
Q3 20240.48%
Q4 20240.44%
Q1 20250.49%
Q2 20250.30%
Q3 20250.46%
Q4 20250.44%
Q1 20260.42%
Q2 20260.36%
Return on assets
0.56%0.75%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.79%
Q4 20240.73%
Q1 20250.83%
Q2 20250.95%
Q3 20250.95%
Q4 20250.81%
Q1 20260.56%
Q2 20260.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$480.3M10.71%0.36%0.69%63.4%
Q1 202671$485.1M10.40%0.42%0.56%61.6%
Q4 202573$467.5M10.66%0.44%0.81%63.9%
Q3 202574$463.2M10.65%0.46%0.95%64.6%
Q2 202575$459.4M10.50%0.30%0.95%62.8%
Q1 202572$461.6M10.18%0.49%0.83%60.3%
Q4 202472$439.7M10.49%0.44%0.73%63.4%
Q3 202472$431.1M10.55%0.48%0.79%64.0%
Q2 202473$436.7M10.24%0.37%0.82%62.3%

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 ratio10.71%
39th
Problem loans0.36%
77th
Net charge-offs0.30%
57th
Return on assets0.69%
46th
Loans to deposits63.4%
73rd
Uninsured deposits3.0%
81st
Loan-loss reserves0.00%
50th
Texas ratio1.9%
77th

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InstitutionScoreAssetsCapitalProblem loansCompare
Lehigh Valley Educators Credit UnionCredit union Allentown, PA83 out of 100, Strong$485.2M15.5%1.09%vs
Everence Federal Credit UnionCredit union Lancaster, PA64 out of 100, Moderate$449.8M8.7%0.54%vs
Lebanon Federal Credit UnionCredit union Lebanon, PA70 out of 100, Strong$539.7M9.9%0.61%vs
Inspire Federal Credit UnionCredit union Newtown, PA59 out of 100, Moderate$392.1M10.5%0.93%vs
West-Aircomm Federal Credit UnionCredit union Beaver, PA64 out of 100, Moderate$375.7M12.4%1.90%vs
First Capital Federal Credit UnionCredit union York, PA81 out of 100, Strong$368.5M11.9%0.20%vs

Deposit insurance

Is my money safe at Widget Federal Credit Union?

Yes. Widget Federal Credit Union is a federally insured credit union (NCUA charter #1117). 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 3.0% of shares and deposits ($13.0M) 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 10.71%, 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

Widget Federal Credit Union lists 5 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Widget Federal Credit Union reported 300 home-loan applications under HMDA (LEI 2549008YEXLNFKLF7548): 135 originated ($15,875,000 total), 131 denied, and 33 withdrawn or closed by the applicant. Its denial rate on decided applications was 49.1%, 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
Widget Federal Credit Union
Type
Federal credit union
NCUA charter #
1117
RSSD ID
1011674
Primary regulator
NCUA
Established
1936
Headquarters
2154 East Lake Road, Erie, PA 16511
Employees
119

Quick answers

Widget Federal Credit Union: common questions

Is Widget Federal Credit Union NCUA insured?

Yes. Widget Federal Credit Union is a federally insured credit union (NCUA charter #1117). 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 Widget 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 Widget Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Erie Firefighters Federal Credit UnionCredit union Erie, PA85 out of 100, Very strong$10.0M13.9%0.31%vs
Tri State Rail Federal Credit UnionCredit union Erie, PA84 out of 100, Strong$19.9M20.0%0.50%vs
North East Welch Federal Credit UnionCredit union North East, PA82 out of 100, Strong$26.0M16.8%1.37%vs