Central Keystone Federal Credit Union Sunbury, Pennsylvania
Central Keystone Federal Credit Union is a federal credit union headquartered in Sunbury, PA, established in 1954 (NCUA charter 9213), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,190 members and total assets of $63.8M (up 3.7% from Q2 2025), the 109th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 18.82% at Q2 2026, in the well capitalized band.
Also written as Central Keystone FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 9213
- Headquarters
- Sunbury, PA
- Established
- 1954
- Total assets, Q2 2026
- $63.8M
- Assets vs Q2 2025
- +3.7%
- Members, Q2 2026
- 3,190
- Net worth ratio, Q2 2026
- 18.82%
- Latest call report
- Q2 2026, NCUA 5300 · Central Keystone Federal Credit Union call report
- Asset rank in state
- 109th of 269 in Pennsylvania
- Routing number
- 231386263
- Branches
- 1
It has 299 more members than on June 30, 2025 (+10.3%). Its net worth ratio was up 0.51 percentage points from 18.31% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $17.8M of $26.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.72% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 18.82% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Pennsylvania
Frequently asked about Central Keystone Federal Credit Union
How big is Central Keystone Federal Credit Union?
At Q2 2026 it reported total assets of $63.8M and 3,190 members.
Where is Central Keystone Federal Credit Union headquartered?
It is headquartered in Sunbury, PA, United States.
When was Central Keystone Federal Credit Union founded?
It was established in 1954, per NCUA records.
Is Central Keystone Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 9213): 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 Central Keystone Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Central Keystone Federal Credit Union well capitalized?
Its net worth ratio was 18.82% 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 Central Keystone Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.72% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Central Keystone Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 51.63% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Sunbury, PA 17801
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 9213
- RSSD ID
- 121688
- Members
- 3,190
- Potential members
- 9,118
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.82% | 14.31% | 72nd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.31% | 0.72% | 75th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.96% | 4.74% | 64th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.07% | 3.93% | 19th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 62.35% | 79.83% | 83rd top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.48% | 0.78% | 17th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.72% | 0.86% | 57th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.56% | 4.70% | 43rd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 51.63% | 58.92% | 39th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$63.8M total assets against $61.5M; $51.3M total shares and deposits against $49.6M; $26.5M total loans against $26.1M.
$12.0M net worth against $11.3M.
18.82% net worth ratio against 18.31%.
51.63% loan-to-share ratio against 52.67%.
0.72% delinquency ratio against 0.94%.
1.31% return on assets against 1.40%; 6.96% return on equity against 7.65%.
3.07% net interest margin against 3.15%.
3,190 members against 2,891.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.82% | 1.31% | 0.72% | 51.63% |
| March 31, 2026 | 18.48% | 1.08% | 0.67% | 50.67% |
| December 31, 2025 | 18.72% | 1.21% | 0.97% | 53.07% |
| September 30, 2025 | 18.61% | 1.34% | 0.98% | 53.06% |
| June 30, 2025 | 18.31% | 1.40% | 0.94% | 52.67% |
| March 31, 2025 | 17.97% | 1.05% | 0.86% | 50.81% |
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.