1st Ed Credit Union Chambersburg, Pennsylvania
1st Ed Credit Union is a state-chartered credit union headquartered in Chambersburg, PA, established in 1938 (NCUA charter 65412), and it is regulated and insured by the NCUA. At Q2 2026 it reported 6,376 members and total assets of $138.2M (down 1.1% from Q2 2025), the 65th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 15.87% at Q2 2026, in the well capitalized band.
Also written as 1st Ed CU
BankRegReports is independent of 1st Ed Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 65412
- Headquarters
- Chambersburg, PA
- Established
- 1938
- Total assets, Q2 2026
- $138.2M
- Assets vs Q2 2025
- -1.1%
- Members, Q2 2026
- 6,376
- Net worth ratio, Q2 2026
- 15.87%
- Latest call report
- Q2 2026, NCUA 5300 · 1st Ed Credit Union call report
- Asset rank in state
- 65th of 269 in Pennsylvania
- Routing number
- 231379966
- Branches
- 3
It has 712 fewer members than on June 30, 2025 (-10.0%). Its net worth ratio was up 0.61 percentage points from 15.26% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $29.1M of $43.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.50% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 15.87% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Pennsylvania
Frequently asked about 1st Ed Credit Union
How big is 1st Ed Credit Union?
At Q2 2026 it reported total assets of $138.2M and 6,376 members.
Where is 1st Ed Credit Union headquartered?
It is headquartered in Chambersburg, PA, United States.
When was 1st Ed Credit Union founded?
It was established in 1938, per NCUA records.
Is 1st Ed Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 65412): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates 1st Ed Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is 1st Ed Credit Union well capitalized?
Its net worth ratio was 15.87% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is 1st Ed Credit Union's delinquency ratio?
Its delinquency ratio was 0.50% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is 1st Ed Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 36.86% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Chambersburg, PA 17201
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1938
- NCUA Charter #
- 65412
- RSSD ID
- 94997
- Members
- 6,376
- Potential members
- 39,386
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 15.87% | 11.43% | 89th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.43% | 0.81% | 25th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 2.69% | 7.02% | 17th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 2.66% | 3.70% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 85.90% | 76.55% | 20th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.23% | 1.24% | 51st above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.50% | 0.68% | 65th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 3.88% | 4.92% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 36.86% | 75.66% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$138.2M total assets against $139.7M; $117.3M total shares and deposits against $120.2M; $43.2M total loans against $44.8M.
$21.9M net worth against $21.3M.
15.87% net worth ratio against 15.26%.
36.86% loan-to-share ratio against 37.25%.
0.50% delinquency ratio against 0.00%.
0.43% return on assets against 0.37%; 2.69% return on equity against 2.46%.
2.66% net interest margin against 2.34%.
6,376 members against 7,088.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.87% | 0.43% | 0.50% | 36.86% |
| March 31, 2026 | 15.59% | 0.41% | 0.51% | 36.87% |
| December 31, 2025 | 15.59% | 0.44% | 0.00% | 36.92% |
| September 30, 2025 | 15.45% | 0.48% | 0.02% | 37.59% |
| June 30, 2025 | 15.26% | 0.37% | 0.00% | 37.25% |
| March 31, 2025 | 15.08% | 0.12% | 0.04% | 37.67% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.