Patriot Federal Credit Union Chambersburg, Pennsylvania
Patriot Federal Credit Union is a federal credit union headquartered in Chambersburg, PA, established in 1965 (NCUA charter 16574), and it is regulated and insured by the NCUA. At Q2 2026 it reported 82,219 members and total assets of $1.34B (up 9.9% from Q2 2025), the 13th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 11.49% at Q2 2026, in the well capitalized band.
Also written as Patriot 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
- 16574
- Headquarters
- Chambersburg, PA
- Established
- 1965
- Total assets, Q2 2026
- $1.34B
- Assets vs Q2 2025
- +9.9%
- Members, Q2 2026
- 82,219
- Net worth ratio, Q2 2026
- 11.49%
- Latest call report
- Q2 2026, NCUA 5300 · Patriot Federal Credit Union call report
- Asset rank in state
- 13th of 269 in Pennsylvania
- Routing number
- 231379979
- Branches
- 13
It has 1,978 more members than on June 30, 2025 (+2.5%). Its net worth ratio was down 0.10 percentage points from 11.59% on June 30, 2025. Used vehicle loans are its largest loan category, $371.8M of $979.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.26% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.49% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Pennsylvania
Credit unions merged into Patriot Federal Credit Union
Neighbors 1st Federal Credit Union (2018) · Healthcare Family Federal Credit Union (2014)
Frequently asked about Patriot Federal Credit Union
How big is Patriot Federal Credit Union?
At Q2 2026 it reported total assets of $1.34B and 82,219 members.
Where is Patriot Federal Credit Union headquartered?
It is headquartered in Chambersburg, PA, United States.
When was Patriot Federal Credit Union founded?
It was established in 1965, per NCUA records.
Is Patriot Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 16574): 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 Patriot Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Patriot Federal Credit Union well capitalized?
Its net worth ratio was 11.49% 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 Patriot Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.26% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Patriot Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 82.12% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Chambersburg, PA 17201
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1965
- NCUA Charter #
- 16574
- RSSD ID
- 630984
- Members
- 82,219
- Potential members
- 779,194
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 1 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% | 11.49% | 10.89% | 59th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.92% | 0.89% | 52nd above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 7.99% | 8.07% | 49th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.37% | 3.45% | 45th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 73.13% | 70.59% | 40th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.84% | 1.68% | 37th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.26% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.20% | 5.12% | 56th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 82.12% | 88.03% | 35th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.34B total assets against $1.22B; $1.19B total shares and deposits against $1.09B; $979.5M total loans against $923.2M.
$154.0M net worth against $141.5M.
11.49% net worth ratio against 11.59%.
82.12% loan-to-share ratio against 85.07%.
0.26% delinquency ratio against 0.33%.
0.92% return on assets against 0.76%; 7.99% return on equity against 6.52%.
3.37% net interest margin against 3.33%.
82,219 members against 80,241.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.49% | 0.92% | 0.26% | 82.12% |
| March 31, 2026 | 11.35% | 1.22% | 0.29% | 81.00% |
| December 31, 2025 | 11.37% | 0.71% | 0.35% | 83.11% |
| September 30, 2025 | 11.54% | 1.33% | 0.28% | 85.10% |
| June 30, 2025 | 11.59% | 0.76% | 0.33% | 85.07% |
| March 31, 2025 | 11.63% | 0.73% | 0.21% | 84.69% |
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.