Credit Union Safety Analysis
Is Citadel Federal Credit Union Safe? Exton, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Citadel Federal Credit Union has a net worth ratio of 9.31%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.33%, 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, Citadel Federal Credit Union's net worth ratio is 9.31%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.31%
- Delinquency ratio (60+ days) (Q2 2026): 0.33%
- Return on assets (Q2 2026): 0.50%
- Loan-to-share ratio (Q2 2026): 104.83%
Citadel Federal Credit Union (NCUA charter 2099, established 1937) reported $6.87B in assets and 290,591 members for Q2 2026 from Exton, Pennsylvania. It ranks 4 of 269 credit unions in Pennsylvania by total assets. Total assets grew 7.5% from $6.39B on June 30, 2025. It has 19,354 more members than on June 30, 2025 (+7.1%). Its net worth ratio was down 0.26 percentage points from 9.57% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.64B of $6.10B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.33% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.32% for Q1 2026; 9.57% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.30% for Q1 2026; 0.31% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.44% for Q1 2026; 0.41% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 103.90% for Q1 2026; 104.01% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $3.64B
- Used vehicle loans: $1.04B
- New vehicle loans: $526.5M
- Commercial loans: $505.7M
- Unsecured credit card loans: $204.0M
- Other unsecured loans and lines of credit: $104.4M
- Other secured non-real estate loans and lines of credit: $1.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.87B | 9.31% | 0.33% | 0.50% | 104.83% |
| March 31, 2026 | $6.77B | 9.32% | 0.30% | 0.44% | 103.90% |
| December 31, 2025 | $6.62B | 9.42% | 0.33% | 0.26% | 105.56% |
| September 30, 2025 | $6.50B | 9.58% | 0.31% | 0.73% | 107.04% |
| June 30, 2025 | $6.39B | 9.57% | 0.31% | 0.41% | 104.01% |
| March 31, 2025 | $6.28B | 9.63% | 0.32% | 0.67% | 103.28% |
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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.
Citadel Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 2099) · FFIEC NIC profile (RSSD 167873)
Frequently asked questions
Is Citadel Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Citadel Federal Credit Union's net worth ratio is 9.31%, above the 7% NCUA threshold for well capitalized.
Is Citadel Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Citadel Federal Credit Union is a federally insured credit union (NCUA charter 2099): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Citadel Federal Credit Union's key safety ratios?
For Q2 2026, Citadel Federal Credit Union reports net worth 9.31%, delinquency 0.33%, ROA 0.50%, loan-to-share 104.83%.
What happens to my money if Citadel Federal Credit Union fails?
For Q2 2026, Citadel Federal Credit Union held $5.82B in shares and deposits for 290,591 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.