Credit Union Safety Analysis
Is Ingersoll-Rand Federal Credit Union Safe? Sayre, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Ingersoll-Rand Federal Credit Union has a net worth ratio of 13.53%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.54%, 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, Ingersoll-Rand Federal Credit Union's net worth ratio is 13.53%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.53%
- Delinquency ratio (60+ days) (Q2 2026): 1.54%
- Return on assets (Q2 2026): -0.12%
- Loan-to-share ratio (Q2 2026): 70.42%
Ingersoll-Rand Federal Credit Union (NCUA charter 14425, established 1961) reported $124.3M in assets and 8,266 members for Q2 2026 from Sayre, Pennsylvania. It ranks 76 of 269 credit unions in Pennsylvania by total assets. Total assets grew 3.1% from $120.5M on June 30, 2025. It has 190 more members than on June 30, 2025 (+2.4%). Its net worth ratio was down 0.47 percentage points from 14.00% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $29.6M of $75.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.54% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 13.48% for Q1 2026; 14.00% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.85% for Q1 2026; 1.49% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: -0.26% for Q1 2026; 0.06% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 64.13% for Q1 2026; 63.75% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $29.6M
- Other secured non-real estate loans and lines of credit: $16.7M
- Used vehicle loans: $11.3M
- New vehicle loans: $10.4M
- Other unsecured loans and lines of credit: $5.8M
- Unsecured credit card loans: $913K
- Non-federally guaranteed student loans: $751K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $124.3M | 13.53% | 1.54% | -0.12% | 70.42% |
| March 31, 2026 | $125.0M | 13.48% | 1.85% | -0.26% | 64.13% |
| December 31, 2025 | $122.1M | 13.87% | 2.39% | -0.12% | 64.12% |
| September 30, 2025 | $120.1M | 14.13% | 2.80% | 0.28% | 65.81% |
| June 30, 2025 | $120.5M | 14.00% | 1.49% | 0.06% | 63.75% |
| March 31, 2025 | $120.4M | 14.02% | 1.48% | -0.03% | 60.75% |
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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.
Ingersoll-Rand Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 14425) · FFIEC NIC profile (RSSD 483582)
Frequently asked questions
Is Ingersoll-Rand Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Ingersoll-Rand Federal Credit Union's net worth ratio is 13.53%, above the 7% NCUA threshold for well capitalized.
Is Ingersoll-Rand Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Ingersoll-Rand Federal Credit Union is a federally insured credit union (NCUA charter 14425): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Ingersoll-Rand Federal Credit Union's key safety ratios?
For Q2 2026, Ingersoll-Rand Federal Credit Union reports net worth 13.53%, delinquency 1.54%, ROA -0.12%, loan-to-share 70.42%.
What happens to my money if Ingersoll-Rand Federal Credit Union fails?
For Q2 2026, Ingersoll-Rand Federal Credit Union held $107.1M in shares and deposits for 8,266 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.