Pace Resources Federal Credit Union York, Pennsylvania
Pace Resources Federal Credit Union is a federal credit union headquartered in York, PA, established in 1969 (NCUA charter 19501), and it is regulated and insured by the NCUA. At Q2 2026 it reported 638 members and total assets of $6.5M (down 7.1% from Q2 2025), the 228th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 17.86% at Q2 2026, in the well capitalized band.
Also written as Pace Resources 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
- 19501
- Headquarters
- York, PA
- Established
- 1969
- Total assets, Q2 2026
- $6.5M
- Assets vs Q2 2025
- -7.1%
- Members, Q2 2026
- 638
- Net worth ratio, Q2 2026
- 17.86%
- Latest call report
- Q2 2026, NCUA 5300 · Pace Resources Federal Credit Union call report
- Asset rank in state
- 228th of 269 in Pennsylvania
- Routing number
- 231387275
- Branches
- 2
It has 5 fewer members than on June 30, 2025 (-0.8%). Its net worth ratio was up 1.94 percentage points from 15.92% on June 30, 2025. Used vehicle loans are its largest loan category, $529K of $1.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.01% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 17.86% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Pennsylvania
Frequently asked about Pace Resources Federal Credit Union
How big is Pace Resources Federal Credit Union?
At Q2 2026 it reported total assets of $6.5M and 638 members.
Where is Pace Resources Federal Credit Union headquartered?
It is headquartered in York, PA, United States.
When was Pace Resources Federal Credit Union founded?
It was established in 1969, per NCUA records.
Is Pace Resources Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 19501): 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 Pace Resources Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Pace Resources Federal Credit Union well capitalized?
Its net worth ratio was 17.86% 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 Pace Resources Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.01% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Pace Resources Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 33.26% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- York, PA 17401
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1969
- NCUA Charter #
- 19501
- RSSD ID
- 884282
- Members
- 638
- Potential members
- 1,550
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 1 of 6 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 17.86% | 14.31% | 68th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.10% | 0.72% | 66th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.16% | 4.74% | 59th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.45% | 3.93% | 72nd above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.32% | 0.78% | 78th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.01% | 0.86% | 46th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.77% | 4.70% | 53rd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 33.26% | 58.92% | 15th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.5M total assets against $7.0M; $5.3M total shares and deposits against $5.8M; $1.8M total loans against $1.9M.
$1.2M net worth against $1.1M.
17.86% net worth ratio against 15.92%.
33.26% loan-to-share ratio against 33.14%.
1.01% delinquency ratio against 0.88%.
1.10% return on assets against 1.23%; 6.16% return on equity against 7.75%.
4.45% net interest margin against 4.41%.
638 members against 643.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.86% | 1.10% | 1.01% | 33.26% |
| March 31, 2026 | 16.52% | 0.06% | 0.60% | 32.06% |
| December 31, 2025 | 16.16% | 0.94% | 0.34% | 31.56% |
| September 30, 2025 | 15.12% | 1.06% | 0.34% | 29.47% |
| June 30, 2025 | 15.92% | 1.23% | 0.88% | 33.14% |
| March 31, 2025 | 14.89% | 1.24% | 0.21% | 30.84% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.