Philadelphia Federal Credit Union Philadelphia, Pennsylvania
Philadelphia Federal Credit Union is a federal credit union headquartered in Philadelphia, PA, established in 1951 (NCUA charter 7238), and it is regulated and insured by the NCUA. At Q2 2026 it reported 121,972 members and total assets of $2.04B (up 9.9% from Q2 2025), the 9th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 12.51% at Q2 2026, in the well capitalized band.
Trade names filed with the NCUA: Philadelphia FCU and PFCU
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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
- 7238
- Headquarters
- Philadelphia, PA
- Established
- 1951
- Total assets, Q2 2026
- $2.04B
- Assets vs Q2 2025
- +9.9%
- Members, Q2 2026
- 121,972
- Net worth ratio, Q2 2026
- 12.51%
- Latest call report
- Q2 2026, NCUA 5300 · Philadelphia Federal Credit Union call report
- Asset rank in state
- 9th of 269 in Pennsylvania
- Routing number
- 236084298
- Branches
- 14
It has 1,168 more members than on June 30, 2025 (+1.0%). Its net worth ratio was down 0.67 percentage points from 13.18% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $682.3M of $1.28B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.99% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.51% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Pennsylvania
Credit unions merged into Philadelphia Federal Credit Union
Frequently asked about Philadelphia Federal Credit Union
How big is Philadelphia Federal Credit Union?
At Q2 2026 it reported total assets of $2.04B and 121,972 members.
Where is Philadelphia Federal Credit Union headquartered?
It is headquartered in Philadelphia, PA, United States.
When was Philadelphia Federal Credit Union founded?
It was established in 1951, per NCUA records.
Is Philadelphia Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 7238): 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 Philadelphia Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Philadelphia Federal Credit Union well capitalized?
Its net worth ratio was 12.51% 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 Philadelphia Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.99% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Philadelphia Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 71.65% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Philadelphia, PA 19154
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1951
- NCUA Charter #
- 7238
- RSSD ID
- 543084
- Members
- 121,972
- Potential members
- 1,645,181
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 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.51% | 10.89% | 73rd above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.74% | 0.89% | 37th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 5.89% | 8.07% | 30th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.93% | 3.45% | 21st bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 68.80% | 70.59% | 56th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.83% | 1.68% | 38th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.99% | 0.68% | 29th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.76% | 5.12% | 29th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 71.65% | 88.03% | 18th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.04B total assets against $1.85B; $1.78B total shares and deposits against $1.63B; $1.28B total loans against $1.16B.
$255.1M net worth against $244.8M.
12.51% net worth ratio against 13.18%.
71.65% loan-to-share ratio against 71.51%.
0.99% delinquency ratio against 1.09%.
0.74% return on assets against 0.97%; 5.89% return on equity against 7.31%.
2.93% net interest margin against 2.75%.
121,972 members against 120,804.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.51% | 0.74% | 0.99% | 71.65% |
| March 31, 2026 | 12.52% | 0.56% | 0.85% | 70.33% |
| December 31, 2025 | 12.75% | 0.69% | 1.21% | 72.31% |
| September 30, 2025 | 13.15% | 0.57% | 1.03% | 74.13% |
| June 30, 2025 | 13.18% | 0.97% | 1.09% | 71.51% |
| March 31, 2025 | 13.06% | 0.35% | 0.98% | 70.16% |
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.