Credit Union Safety Analysis
Is 1st Ed Credit Union Safe? Chambersburg, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, 1st Ed Credit Union has a net worth ratio of 15.87%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.50%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, 1st Ed Credit Union's net worth ratio is 15.87%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.87%
- Delinquency ratio (60+ days) (Q2 2026): 0.50%
- Return on assets (Q2 2026): 0.43%
- Loan-to-share ratio (Q2 2026): 36.86%
1st Ed Credit Union (NCUA charter 65412, established 1938) reported $138.2M in assets and 6,376 members for Q2 2026 from Chambersburg, Pennsylvania. It ranks 65 of 269 credit unions in Pennsylvania by total assets. Total assets fell 1.1% from $139.7M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 15.59% for Q1 2026; 15.26% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.51% for Q1 2026; 0.00% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.41% for Q1 2026; 0.37% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 36.87% for Q1 2026; 37.25% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $29.1M
- Used vehicle loans: $7.9M
- Unsecured credit card loans: $2.9M
- New vehicle loans: $1.3M
- Non-federally guaranteed student loans: $1.2M
- Other unsecured loans and lines of credit: $587K
- Other secured non-real estate loans and lines of credit: $261K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $138.2M | 15.87% | 0.50% | 0.43% | 36.86% |
| March 31, 2026 | $139.8M | 15.59% | 0.51% | 0.41% | 36.87% |
| December 31, 2025 | $138.8M | 15.59% | 0.00% | 0.44% | 36.92% |
| September 30, 2025 | $139.1M | 15.45% | 0.02% | 0.48% | 37.59% |
| June 30, 2025 | $139.7M | 15.26% | 0.00% | 0.37% | 37.25% |
| March 31, 2025 | $140.6M | 15.08% | 0.04% | 0.12% | 37.67% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 65412) · FFIEC NIC profile (RSSD 94997)
Frequently asked questions
Is 1st Ed Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, 1st Ed Credit Union's net worth ratio is 15.87%, above the 7% NCUA threshold for well capitalized.
Is 1st Ed Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. 1st Ed Credit Union is a federally insured credit union (NCUA charter 65412): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are 1st Ed Credit Union's key safety ratios?
For Q2 2026, 1st Ed Credit Union reports net worth 15.87%, delinquency 0.50%, ROA 0.43%, loan-to-share 36.86%.
What happens to my money if 1st Ed Credit Union fails?
For Q2 2026, 1st Ed Credit Union held $117.3M in shares and deposits for 6,376 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.