Credit Union Safety Analysis
Is N F G #2 Federal Credit Union Safe? Warren, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, N F G #2 Federal Credit Union has a net worth ratio of 15.74%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.28%, 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, N F G #2 Federal Credit Union's net worth ratio is 15.74%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.74%
- Delinquency ratio (60+ days) (Q2 2026): 1.28%
- Return on assets (Q2 2026): 1.00%
- Loan-to-share ratio (Q2 2026): 18.40%
N F G #2 Federal Credit Union (NCUA charter 9776, established 1954) reported $24.2M in assets and 1,878 members for Q2 2026 from Warren, Pennsylvania. It ranks 160 of 269 credit unions in Pennsylvania by total assets. Total assets fell 0.5% from $24.3M on June 30, 2025. It has 131 fewer members than on June 30, 2025 (-6.5%). Its net worth ratio was up 0.56 percentage points from 15.18% on June 30, 2025. Used vehicle loans are its largest loan category, $1.3M of $3.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.28% 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: 15.08% for Q1 2026; 15.18% 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%.
Earlier filings: 0.45% for Q1 2026; 0.17% for Q2 2025.
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; 1.00% 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: 18.10% for Q1 2026; 20.29% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.3M
- New vehicle loans: $709K
- 1- to 4-family residential and other consumer real estate loans: $644K
- Unsecured credit card loans: $577K
- Other unsecured loans and lines of credit: $366K
- Other secured non-real estate loans and lines of credit: $195K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $24.2M | 15.74% | 1.28% | 1.00% | 18.40% |
| March 31, 2026 | $24.9M | 15.08% | 0.45% | 0.81% | 18.10% |
| December 31, 2025 | $24.6M | 15.08% | 1.17% | -0.76% | 18.84% |
| September 30, 2025 | $24.1M | 15.58% | 0.55% | 0.98% | 20.03% |
| June 30, 2025 | $24.3M | 15.18% | 0.17% | 1.00% | 20.29% |
| March 31, 2025 | $24.6M | 14.76% | 0.43% | 0.76% | 20.05% |
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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.
N F G #2 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 9776) · FFIEC NIC profile (RSSD 29588)
Frequently asked questions
Is N F G #2 Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, N F G #2 Federal Credit Union's net worth ratio is 15.74%, above the 7% NCUA threshold for well capitalized.
Is N F G #2 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. N F G #2 Federal Credit Union is a federally insured credit union (NCUA charter 9776): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are N F G #2 Federal Credit Union's key safety ratios?
For Q2 2026, N F G #2 Federal Credit Union reports net worth 15.74%, delinquency 1.28%, ROA 1.00%, loan-to-share 18.40%.
What happens to my money if N F G #2 Federal Credit Union fails?
For Q2 2026, N F G #2 Federal Credit Union held $20.5M in shares and deposits for 1,878 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.