Diamond Federal Credit Union Pottstown, Pennsylvania
Diamond Federal Credit Union is a federal credit union headquartered in Pottstown, PA, established in 1947 (NCUA charter 68241), and it is regulated and insured by the NCUA. At Q2 2026 it reported 71,683 members and total assets of $1.22B (up 8.1% from Q2 2025), the 14th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 10.52% at Q2 2026, in the well capitalized band.
Also written as Diamond FCU
BankRegReports is independent of Diamond Federal Credit Union and never asks for online banking logins or passwords.
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
- 68241
- Headquarters
- Pottstown, PA
- Established
- 1947
- Total assets, Q2 2026
- $1.22B
- Assets vs Q2 2025
- +8.1%
- Members, Q2 2026
- 71,683
- Net worth ratio, Q2 2026
- 10.52%
- Latest call report
- Q2 2026, NCUA 5300 · Diamond Federal Credit Union call report
- Asset rank in state
- 14th of 269 in Pennsylvania
- Routing number
- 231385154
- Branches
- 8
It has 2,412 more members than on June 30, 2025 (+3.5%). Its net worth ratio was up 0.04 percentage points from 10.48% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $393.8M of $695.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.29% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.52% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in Pennsylvania
Frequently asked about Diamond Federal Credit Union
How big is Diamond Federal Credit Union?
At Q2 2026 it reported total assets of $1.22B and 71,683 members.
Where is Diamond Federal Credit Union headquartered?
It is headquartered in Pottstown, PA, United States.
When was Diamond Federal Credit Union founded?
It was established in 1947, per NCUA records.
Is Diamond Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68241): 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 Diamond Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Diamond Federal Credit Union well capitalized?
Its net worth ratio was 10.52% 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 Diamond Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.29% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Diamond Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 64.43% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Pottstown, PA 19464
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1947
- NCUA Charter #
- 68241
- RSSD ID
- 748571
- Members
- 71,683
- Potential members
- 2,500,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.52% | 10.89% | 41st below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.18% | 0.89% | 70th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 11.54% | 8.07% | 79th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.20% | 3.45% | 34th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 72.63% | 70.59% | 42nd below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.63% | 1.68% | 54th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.29% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.83% | 5.12% | 32nd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 64.43% | 88.03% | 11th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.22B total assets against $1.13B; $1.08B total shares and deposits against $1.00B; $695.4M total loans against $644.0M.
$125.0M net worth against $113.6M.
10.52% net worth ratio against 10.48%.
64.43% loan-to-share ratio against 64.38%.
0.29% delinquency ratio against 0.24%.
1.18% return on assets against 1.91%; 11.54% return on equity against 18.99%.
3.20% net interest margin against 3.06%.
71,683 members against 69,271.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.52% | 1.18% | 0.29% | 64.43% |
| March 31, 2026 | 10.43% | 0.73% | 0.30% | 62.39% |
| December 31, 2025 | 10.48% | 1.15% | 0.35% | 64.83% |
| September 30, 2025 | 10.47% | 0.85% | 0.31% | 66.59% |
| June 30, 2025 | 10.48% | 1.91% | 0.24% | 64.38% |
| March 31, 2025 | 10.25% | 0.44% | 0.25% | 63.50% |
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.