Dertown School Federal Credit Union Latrobe, Pennsylvania
Dertown School Federal Credit Union is a federal credit union headquartered in Latrobe, PA, established in 1955 (NCUA charter 10141), and it is regulated and insured by the NCUA. At Q2 2026 it reported 704 members and total assets of $12.3M (down 1.2% from Q2 2025), the 200th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 30.42% at Q2 2026, in the well capitalized band.
Also written as Dertown School 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
- 10141
- Headquarters
- Latrobe, PA
- Established
- 1955
- Total assets, Q2 2026
- $12.3M
- Assets vs Q2 2025
- -1.2%
- Members, Q2 2026
- 704
- Net worth ratio, Q2 2026
- 30.42%
- Latest call report
- Q2 2026, NCUA 5300 · Dertown School Federal Credit Union call report
- Asset rank in state
- 200th of 269 in Pennsylvania
- Routing number
- 243380435
- Branches
- 1
It has 1 fewer member than on June 30, 2025 (-0.1%). Its net worth ratio was up 1.36 percentage points from 29.06% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.2M of $8.7M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Pennsylvania
Frequently asked about Dertown School Federal Credit Union
How big is Dertown School Federal Credit Union?
At Q2 2026 it reported total assets of $12.3M and 704 members.
Where is Dertown School Federal Credit Union headquartered?
It is headquartered in Latrobe, PA, United States.
When was Dertown School Federal Credit Union founded?
It was established in 1955, per NCUA records.
Is Dertown School Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 10141): 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 Dertown School Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Dertown School Federal Credit Union well capitalized?
Its net worth ratio was 30.42% 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 Dertown School Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 102.30% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Latrobe, PA 15650
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 10141
- RSSD ID
- 710185
- Members
- 704
- Potential members
- 1,000
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 6 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% | 30.42% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.16% | 0.72% | 69th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.83% | 4.74% | 44th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.99% | 3.93% | 17th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 56.84% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.73% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.72% | 4.70% | 51st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 102.30% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$12.3M total assets against $12.4M; $8.5M total shares and deposits against $8.8M; $8.7M total loans against $8.6M.
$3.7M net worth against $3.6M.
30.42% net worth ratio against 29.06%.
102.30% loan-to-share ratio against 97.66%.
1.16% return on assets against 1.00%; 3.83% return on equity against 3.45%.
2.99% net interest margin against 2.39%.
704 members against 705.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 30.42% | 1.16% | — | 102.30% |
| March 31, 2026 | 29.75% | 0.33% | — | 93.92% |
| December 31, 2025 | 29.87% | 1.32% | — | 95.75% |
| September 30, 2025 | 29.58% | 1.25% | — | 100.02% |
| June 30, 2025 | 29.06% | 1.00% | — | 97.66% |
| March 31, 2025 | 29.16% | 0.83% | 0.05% | 99.45% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.