TellerScore

Headquartered in York, Pennsylvania, York Educational Federal Credit Union is a federal credit union with $43.5M in total assets and $38.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1969.

York Educational Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than only 49% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 147th. Funding & liquidity contributes the most (100/100, 54% loans-to-deposits, 2% uninsured); earnings contributes the least (42/100, 0.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.65%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.16%
Earnings42/100
Return on assets (annualized): 0.56%
Funding & liquidity100/100
Loans ÷ shares: 53.9% · 2.3% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.70%

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 (76 → 74), mostly because the earnings component weakened by 18 points.

TellerScore
697377Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202472
Q4 202473
Q1 202576
Q2 202576
Q3 202577
Q4 202575
Q1 202671
Q2 202674
Net worth ratio
7.00%8.82%10.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.12%
Q3 20249.62%
Q4 20249.76%
Q1 20259.77%
Q2 20259.66%
Q3 202510.09%
Q4 202510.10%
Q1 20269.91%
Q2 202610.65%
Delinquent loans (60+ days)
0.00%0.08%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.05%
Q3 20240.00%
Q4 20240.03%
Q1 20250.00%
Q2 20250.03%
Q3 20250.02%
Q4 20250.13%
Q1 20260.12%
Q2 20260.16%
Return on assets
0.43%0.72%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.50%
Q4 20240.66%
Q1 20250.92%
Q2 20251.01%
Q3 20251.00%
Q4 20250.89%
Q1 20260.43%
Q2 20260.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$43.5M10.65%0.16%0.56%53.9%
Q1 202671$46.0M9.91%0.12%0.43%50.0%
Q4 202575$44.6M10.10%0.13%0.89%49.4%
Q3 202577$44.0M10.09%0.02%1.00%48.2%
Q2 202576$44.9M9.66%0.03%1.01%46.8%
Q1 202576$43.1M9.77%0.00%0.92%46.8%
Q4 202473$42.1M9.76%0.03%0.66%45.3%
Q3 202472$41.5M9.62%0.00%0.50%45.4%
Q2 202469$43.1M9.12%0.05%0.46%41.3%

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 ratio10.65%
21st
Problem loans0.16%
76th
Net charge-offs0.70%
20th
Return on assets0.56%
45th
Loans to deposits53.9%
57th
Uninsured deposits2.3%
42nd
Loan-loss reserves0.00%
37th
Texas ratio0.7%
71st

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Wyrope Williamsport Federal Credit UnionCredit union S Williamsport, PA81 out of 100, Strong$43.8M14.6%1.08%vs
R-S Bellco Federal Credit UnionCredit union New Brighton, PA57 out of 100, Moderate$44.5M7.2%0.86%vs
Glass Cap Federal Credit UnionCredit union Connellsville, PA89 out of 100, Very strong$45.4M18.3%0.76%vs
North Districts Credit UnionCredit union Gibsonia, PA65 out of 100, Moderate$45.4M15.4%4.70%vs
Visionary Federal Credit UnionCredit union Bridgeville, PA76 out of 100, Strong$40.8M12.7%1.31%vs
New Directions Community Credit UnionCredit union Franklin, PA75 out of 100, Strong$40.7M14.5%0.76%vs

Deposit insurance

Is my money safe at York Educational Federal Credit Union?

Yes. York Educational Federal Credit Union is a federally insured credit union (NCUA charter #19429). 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 2.3% of shares and deposits ($898K) 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 10.65%, 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

York Educational Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
York Educational Federal Credit Union
Type
Federal credit union
NCUA charter #
19429
RSSD ID
6383
Primary regulator
NCUA
Established
1969
Headquarters
1601 S Queen St, York, PA 17403
Employees
13

Quick answers

York Educational Federal Credit Union: common questions

Is York Educational Federal Credit Union NCUA insured?

Yes. York Educational Federal Credit Union is a federally insured credit union (NCUA charter #19429). 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 York Educational Federal Credit Union's TellerScore?

74 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 York Educational Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near York

InstitutionScoreAssetsCapitalProblem loansCompare
Penn-Trafford School Emp. Federal Credit UnionCredit union Trafford, PA99 out of 100, Very strong$5.3M21.2%0.00%vs
Glatco Credit UnionCredit union Spring Grove, PA90 out of 100, Very strong$54.1M16.2%0.79%vs
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
1st Ed Credit UnionCredit union Chambersburg, PA83 out of 100, Strong$138.2M15.9%0.50%vs
Central Susquehanna Community Federal Credit UnionCredit union Danville, PA82 out of 100, Strong$37.4M12.1%0.00%vs
First Capital Federal Credit UnionCredit union York, PA81 out of 100, Strong$368.5M11.9%0.20%vs