Credit Union Safety Analysis
Is Central Susquehanna Community Federal Credit Union Safe? Danville, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Central Susquehanna Community Federal Credit Union has a net worth ratio of 12.07%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Central Susquehanna Community Federal Credit Union's net worth ratio is 12.07%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.07%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.73%
- Loan-to-share ratio (Q2 2026): 56.47%
Central Susquehanna Community Federal Credit Union (NCUA charter 14180, established 1961) reported $37.4M in assets and 1,775 members for Q2 2026 from Danville, Pennsylvania. It ranks 141 of 269 credit unions in Pennsylvania by total assets. Total assets grew 4.5% from $35.8M on June 30, 2025. It has 15 more members than on June 30, 2025 (+0.9%). Its net worth ratio was up 0.05 percentage points from 12.02% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $12.3M of $18.5M in total loans on its June 30, 2026 filing.
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: 11.86% for Q1 2026; 12.02% 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: 0.00% 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: 0.88% for Q1 2026; 0.67% 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: 55.28% for Q1 2026; 55.25% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $12.3M
- New vehicle loans: $2.9M
- Used vehicle loans: $1.8M
- Other unsecured loans and lines of credit: $967K
- Unsecured credit card loans: $599K
- Other secured non-real estate loans and lines of credit: $27K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $37.4M | 12.07% | — | 0.73% | 56.47% |
| March 31, 2026 | $37.7M | 11.86% | — | 0.88% | 55.28% |
| December 31, 2025 | $36.3M | 12.10% | — | 0.75% | 56.39% |
| September 30, 2025 | $35.4M | 12.19% | — | 0.23% | 58.95% |
| June 30, 2025 | $35.8M | 12.02% | 0.00% | 0.67% | 55.25% |
| March 31, 2025 | $34.8M | 12.25% | 0.05% | 0.29% | 55.16% |
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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.
Central Susquehanna Community Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 14180) · FFIEC NIC profile (RSSD 341981)
Frequently asked questions
Is Central Susquehanna Community Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Central Susquehanna Community Federal Credit Union's net worth ratio is 12.07%, above the 7% NCUA threshold for well capitalized.
Is Central Susquehanna Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Central Susquehanna Community Federal Credit Union is a federally insured credit union (NCUA charter 14180): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Central Susquehanna Community Federal Credit Union's key safety ratios?
For Q2 2026, Central Susquehanna Community Federal Credit Union reports net worth 12.07%, delinquency not reported, ROA 0.73%, loan-to-share 56.47%.
What happens to my money if Central Susquehanna Community Federal Credit Union fails?
For Q2 2026, Central Susquehanna Community Federal Credit Union held $32.8M in shares and deposits for 1,775 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.