Credit Union Safety Analysis
Is Lonza Federal Credit Union Safe? Williamsport, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Lonza Federal Credit Union has a net worth ratio of 25.35%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.61%, 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, Lonza Federal Credit Union's net worth ratio is 25.35%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 25.35%
- Delinquency ratio (60+ days) (Q2 2026): 2.61%
- Return on assets (Q2 2026): -0.58%
- Loan-to-share ratio (Q2 2026): 65.65%
Lonza Federal Credit Union (NCUA charter 14617, established 1961) reported $490K in assets and 90 members for Q2 2026 from Williamsport, Pennsylvania. It ranks 263 of 269 credit unions in Pennsylvania by total assets. Total assets fell 7.8% from $532K on June 30, 2025. It has 10 fewer members than on June 30, 2025 (-10.0%). Its net worth ratio was up 1.36 percentage points from 23.99% on June 30, 2025. Used vehicle loans are its largest loan category, $148K of $240K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.61% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
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: 25.57% for Q1 2026; 23.99% 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%.
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: -0.81% for Q1 2026; 0.20% 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: 76.99% for Q1 2026; 72.61% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $148K
- Other unsecured loans and lines of credit: $92K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $490K | 25.35% | 2.61% | -0.58% | 65.65% |
| March 31, 2026 | $489K | 25.57% | — | -0.81% | 76.99% |
| December 31, 2025 | $489K | 25.78% | — | -1.51% | 81.40% |
| September 30, 2025 | $531K | 23.76% | 0.24% | -0.74% | 66.54% |
| June 30, 2025 | $532K | 23.99% | — | 0.20% | 72.61% |
| March 31, 2025 | $520K | 24.70% | — | 0.06% | 76.28% |
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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.
Lonza Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 14617) · FFIEC NIC profile (RSSD 676683)
Frequently asked questions
Is Lonza Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Lonza Federal Credit Union's net worth ratio is 25.35%, above the 7% NCUA threshold for well capitalized.
Is Lonza Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Lonza Federal Credit Union is a federally insured credit union (NCUA charter 14617): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Lonza Federal Credit Union's key safety ratios?
For Q2 2026, Lonza Federal Credit Union reports net worth 25.35%, delinquency 2.61%, ROA -0.58%, loan-to-share 65.65%.
What happens to my money if Lonza Federal Credit Union fails?
For Q2 2026, Lonza Federal Credit Union held $365K in shares and deposits for 90 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.