Credit Union Safety Analysis
Is Sarco Federal Credit Union Safe? Bethlehem, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Sarco Federal Credit Union has a net worth ratio of 23.41%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.22%, 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, Sarco Federal Credit Union's net worth ratio is 23.41%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 23.41%
- Delinquency ratio (60+ days) (Q2 2026): 1.22%
- Return on assets (Q2 2026): 1.65%
- Loan-to-share ratio (Q2 2026): 86.65%
Sarco Federal Credit Union (NCUA charter 1669, established 1936) reported $9.4M in assets and 628 members for Q2 2026 from Bethlehem, Pennsylvania. It ranks 212 of 269 credit unions in Pennsylvania by total assets. Total assets grew 9.8% from $8.6M on June 30, 2025. It has 5 more members than on June 30, 2025 (+0.8%). Its net worth ratio was down 1.18 percentage points from 24.59% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.1M of $6.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.22% 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: 24.07% for Q1 2026; 24.59% 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: 1.04% for Q1 2026; 1.06% 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: 1.61% for Q1 2026; 2.07% 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: 90.94% for Q1 2026; 91.85% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $4.1M
- Used vehicle loans: $1.5M
- New vehicle loans: $613K
- Other secured non-real estate loans and lines of credit: $44K
- Other unsecured loans and lines of credit: $14K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.4M | 23.41% | 1.22% | 1.65% | 86.65% |
| March 31, 2026 | $9.2M | 24.07% | 1.04% | 1.61% | 90.94% |
| December 31, 2025 | $9.1M | 23.84% | 0.93% | 1.04% | 89.04% |
| September 30, 2025 | $8.7M | 24.72% | 1.03% | 1.58% | 89.27% |
| June 30, 2025 | $8.6M | 24.59% | 1.06% | 2.07% | 91.85% |
| March 31, 2025 | $8.5M | 24.29% | 1.49% | 1.00% | 93.79% |
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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.
Sarco Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 1669) · FFIEC NIC profile (RSSD 487674)
Frequently asked questions
Is Sarco Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Sarco Federal Credit Union's net worth ratio is 23.41%, above the 7% NCUA threshold for well capitalized.
Is Sarco Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Sarco Federal Credit Union is a federally insured credit union (NCUA charter 1669): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Sarco Federal Credit Union's key safety ratios?
For Q2 2026, Sarco Federal Credit Union reports net worth 23.41%, delinquency 1.22%, ROA 1.65%, loan-to-share 86.65%.
What happens to my money if Sarco Federal Credit Union fails?
For Q2 2026, Sarco Federal Credit Union held $7.2M in shares and deposits for 628 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.