Credit Union Safety Analysis
Is Access Credit Union Safe? Bristol, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Access Credit Union has a net worth ratio of 11.75%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.16%, 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, Access Credit Union's net worth ratio is 11.75%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.75%
- Delinquency ratio (60+ days) (Q2 2026): 0.16%
- Return on assets (Q2 2026): 0.79%
- Loan-to-share ratio (Q2 2026): 50.95%
Access Credit Union (NCUA charter 61101, established 1972) reported $70.3M in assets and 4,043 members for Q2 2026 from Bristol, Pennsylvania. It ranks 102 of 269 credit unions in Pennsylvania by total assets. Total assets grew 6.9% from $65.8M on June 30, 2025. It has 176 fewer members than on June 30, 2025 (-4.2%). Its net worth ratio was down 0.29 percentage points from 12.04% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $23.9M of $31.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.16% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.89% for Q1 2026; 12.04% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.63% for Q1 2026; 0.09% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.44% for Q1 2026; 1.23% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 52.02% for Q1 2026; 58.03% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $23.9M
- Used vehicle loans: $1.9M
- Unsecured credit card loans: $1.8M
- Other unsecured loans and lines of credit: $1.6M
- New vehicle loans: $1.4M
- Commercial loans: $719K
- Non-federally guaranteed student loans: $231K
- Other secured non-real estate loans and lines of credit: $39K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $70.3M | 11.75% | 0.16% | 0.79% | 50.95% |
| March 31, 2026 | $69.2M | 11.89% | 0.63% | 0.44% | 52.02% |
| December 31, 2025 | $67.5M | 12.07% | 0.04% | 0.50% | 54.35% |
| September 30, 2025 | $72.0M | 11.20% | 0.08% | 0.80% | 51.26% |
| June 30, 2025 | $65.8M | 12.04% | 0.09% | 1.23% | 58.03% |
| March 31, 2025 | $66.0M | 11.86% | 0.04% | 0.84% | 59.01% |
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Free to use. It shows Access Credit Union’s latest filed figures and updates each quarter.
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 61101) · FFIEC NIC profile (RSSD 276793)
Frequently asked questions
Is Access Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Access Credit Union's net worth ratio is 11.75%, above the 7% NCUA threshold for well capitalized.
Is Access Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Access Credit Union is a federally insured credit union (NCUA charter 61101): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Access Credit Union's key safety ratios?
For Q2 2026, Access Credit Union reports net worth 11.75%, delinquency 0.16%, ROA 0.79%, loan-to-share 50.95%.
What happens to my money if Access Credit Union fails?
For Q2 2026, Access Credit Union held $62.1M in shares and deposits for 4,043 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.