TellerScore

Your Choice Federal Credit Union (NCUA charter #11972) is based in Altoona, Pennsylvania. Its Q2 2026 call report shows $14.0M in total assets and $12.2M in member shares and deposits and 2 offices across 2 states.

Based on its Q2 2026 filing, Your Choice Federal Credit Union scores 85/100, which we describe as very strong. That is higher than 77% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 68th. Its strongest component is funding & liquidity (100/100; 26% loans-to-deposits, 1% uninsured), and its lowest is earnings (65/100; 1.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.55%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.09%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity100/100
Loans ÷ shares: 25.5% · 0.5% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.17%

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 23 points (62 → 85), mostly because the loan quality component improved by 67 points.

TellerScore
627485Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202474
Q4 202477
Q1 202575
Q2 202562
Q3 202569
Q4 202578
Q1 202682
Q2 202685
Net worth ratio
7.00%9.95%12.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202412.42%
Q3 202412.72%
Q4 202412.46%
Q1 202511.78%
Q2 202512.11%
Q3 202512.90%
Q4 202512.72%
Q1 202612.40%
Q2 202612.55%
Delinquent loans (60+ days)
0.09%1.10%2.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.99%
Q3 20241.27%
Q4 20240.56%
Q1 20250.53%
Q2 20252.10%
Q3 20251.73%
Q4 20250.33%
Q1 20260.44%
Q2 20260.09%
Return on assets
0.45%0.87%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.96%
Q3 20240.98%
Q4 20240.63%
Q1 20250.68%
Q2 20250.64%
Q3 20250.75%
Q4 20250.45%
Q1 20261.29%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$14.0M12.55%0.09%1.13%25.5%
Q1 202682$13.8M12.40%0.44%1.29%26.0%
Q4 202578$13.2M12.72%0.33%0.45%26.6%
Q3 202569$13.1M12.90%1.73%0.75%25.5%
Q2 202562$13.7M12.11%2.10%0.64%24.6%
Q1 202575$13.9M11.78%0.53%0.68%24.8%
Q4 202477$13.0M12.46%0.56%0.63%26.4%
Q3 202474$12.8M12.72%1.27%0.98%27.1%
Q2 202475$12.8M12.42%0.99%0.96%28.3%

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 ratio12.55%
36th
Problem loans0.09%
80th
Net charge-offs-0.07%
92nd
Return on assets1.13%
73rd
Loans to deposits25.5%
93rd
Uninsured deposits0.5%
58th
Loan-loss reserves0.00%
37th
Texas ratio0.2%
82nd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Derry Area Federal Credit UnionCredit union Derry, PA69 out of 100, Moderate$13.9M11.5%0.67%vs
Penntech Employees Federal Credit UnionCredit union Johnsonburg, PA46 out of 100, Below average$13.9M10.3%2.90%vs
Latrobe Federal Credit UnionCredit union Latrobe, PA66 out of 100, Moderate$14.1M11.2%0.50%vs
Spojnia Credit UnionCredit union Scranton, PA50 out of 100, Below average$14.3M15.5%8.33%vs
P C Federal Credit UnionCredit union Port Allegany, PA47 out of 100, Below average$13.5M13.3%4.15%vs
Dow Bucks County Federal Credit UnionCredit union Bristol, PA74 out of 100, Strong$13.4M21.2%1.38%vs

Deposit insurance

Is my money safe at Your Choice Federal Credit Union?

Yes. Your Choice Federal Credit Union is a federally insured credit union (NCUA charter #11972). 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 0.5% of shares and deposits ($61K) 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 12.55%, well 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

Your Choice Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Your Choice Federal Credit Union
Type
Federal credit union
NCUA charter #
11972
RSSD ID
260288
Primary regulator
NCUA
Established
1957
Headquarters
109 Keystone St, Altoona, PA 16602
Employees
5

Quick answers

Your Choice Federal Credit Union: common questions

Is Your Choice Federal Credit Union NCUA insured?

Yes. Your Choice Federal Credit Union is a federally insured credit union (NCUA charter #11972). 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 Your Choice Federal Credit Union's TellerScore?

85 out of 100 (Very 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 Your Choice 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 Altoona

InstitutionScoreAssetsCapitalProblem loansCompare
Blair County Federal Credit UnionCredit union Altoona, PA97 out of 100, Very strong$78.0M22.8%0.40%vs
A.B. Federal Credit UnionCredit union Duncansville, PA91 out of 100, Very strong$10.5M14.8%0.08%vs
C-B-W Schools Federal Credit UnionCredit union Sidman, PA91 out of 100, Very strong$131.8M29.8%0.33%vs
G.A.P. Federal Credit UnionCredit union Johnstown, PA87 out of 100, Very strong$79.0M13.7%0.74%vs
Investment Savings BankBank Altoona, PA86 out of 100, Very strong$105.2M21.7%0.13%vs
Altoona Area Employees Federal Credit UnionCredit union Altoona, PA84 out of 100, Strong$19.4M11.5%0.00%vs