Stanwood Area Federal Credit Union New Stanton, Pennsylvania
Stanwood Area Federal Credit Union is a federal credit union headquartered in New Stanton, PA, established in 1940 (NCUA charter 4088), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,267 members and total assets of $18.6M (down 0.7% from Q2 2025), the 177th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 10.45% at Q2 2026, in the well capitalized band.
Also written as Stanwood Area FCU · Trade name filed with the NCUA: Stanwood FCU
BankRegReports is independent of Stanwood Area Federal Credit Union and never asks for online banking logins or passwords.
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
- 4088
- Headquarters
- New Stanton, PA
- Established
- 1940
- Total assets, Q2 2026
- $18.6M
- Assets vs Q2 2025
- -0.7%
- Members, Q2 2026
- 2,267
- Net worth ratio, Q2 2026
- 10.45%
- Latest call report
- Q2 2026, NCUA 5300 · Stanwood Area Federal Credit Union call report
- Asset rank in state
- 177th of 269 in Pennsylvania
- Routing number
- 243381735
- Branches
- 3
It has 22 more members than on June 30, 2025 (+1.0%). Its net worth ratio was up 0.29 percentage points from 10.16% on June 30, 2025. Used vehicle loans are its largest loan category, $4.2M of $10.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.07% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 10.45% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Pennsylvania
Frequently asked about Stanwood Area Federal Credit Union
How big is Stanwood Area Federal Credit Union?
At Q2 2026 it reported total assets of $18.6M and 2,267 members.
Where is Stanwood Area Federal Credit Union headquartered?
It is headquartered in New Stanton, PA, United States.
When was Stanwood Area Federal Credit Union founded?
It was established in 1940, per NCUA records.
Is Stanwood Area Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 4088): 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 Stanwood Area Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Stanwood Area Federal Credit Union well capitalized?
Its net worth ratio was 10.45% 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 Stanwood Area Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.07% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Stanwood Area Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 64.57% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- New Stanton, PA 15672
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1940
- NCUA Charter #
- 4088
- RSSD ID
- 272777
- Members
- 2,267
- Potential members
- 347,087
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 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: 11.14% to 19.38% | 10.45% | 14.31% | 20th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.27% | 0.72% | 30th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.58% | 4.74% | 35th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.67% | 3.93% | 78th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 84.57% | 79.83% | 40th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.66% | 0.78% | 57th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.07% | 0.86% | 45th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.33% | 4.70% | 75th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 64.57% | 58.92% | 58th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$18.6M total assets against $18.7M; $16.6M total shares and deposits against $16.8M; $10.7M total loans against $10.6M.
$1.9M net worth against $1.9M.
10.45% net worth ratio against 10.16%.
64.57% loan-to-share ratio against 63.13%.
1.07% delinquency ratio against 1.92%.
0.27% return on assets against 0.78%; 2.58% return on equity against 7.64%.
4.67% net interest margin against 3.97%.
2,267 members against 2,245.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.45% | 0.27% | 1.07% | 64.57% |
| March 31, 2026 | 10.45% | 0.32% | 1.04% | 63.62% |
| December 31, 2025 | 10.54% | 0.18% | 1.57% | 64.84% |
| September 30, 2025 | 10.22% | 0.16% | 1.55% | 62.22% |
| June 30, 2025 | 10.16% | 0.78% | 1.92% | 63.13% |
| March 31, 2025 | 9.74% | 0.28% | 1.81% | 60.85% |
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.