Credit Union Safety Analysis
Is Team First Federal Credit Union Safe? Lancaster, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Team First Federal Credit Union has a net worth ratio of 13.48%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.30%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Team First Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Team First Federal Credit Union's net worth ratio is 13.48%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.48%
- Delinquency ratio (60+ days) (Q2 2026): 3.30%
- Return on assets (Q2 2026): -0.54%
- Loan-to-share ratio (Q2 2026): 66.42%
Team First Federal Credit Union (NCUA charter 14829, established 1962) reported $8.1M in assets and 819 members for Q2 2026 from Lancaster, Pennsylvania. It ranks 220 of 269 credit unions in Pennsylvania by total assets. Total assets fell 1.8% from $8.3M on June 30, 2025. It has 17 more members than on June 30, 2025 (+2.1%). Its net worth ratio was down 0.68 percentage points from 14.16% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.9M of $4.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.30% 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: 12.53% for Q1 2026; 14.16% 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: 2.98% for Q1 2026; 1.79% 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: -0.87% for Q1 2026; 1.92% 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: 59.28% for Q1 2026; 43.49% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $2.9M
- Used vehicle loans: $580K
- Other unsecured loans and lines of credit: $496K
- New vehicle loans: $444K
- Unsecured credit card loans: $268K
- Other secured non-real estate loans and lines of credit: $13K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $8.1M | 13.48% | 3.30% | -0.54% | 66.42% |
| March 31, 2026 | $8.9M | 12.53% | 2.98% | -0.87% | 59.28% |
| December 31, 2025 | $9.0M | 12.49% | 4.37% | -0.93% | 58.49% |
| September 30, 2025 | $9.2M | 12.45% | 3.47% | -1.09% | 52.06% |
| June 30, 2025 | $8.3M | 14.16% | 1.79% | 1.92% | 43.49% |
| March 31, 2025 | $8.4M | 13.44% | 0.48% | -6.84% | 44.12% |
Add this badge to your website
Free to use. It shows Team First Federal Credit Union’s latest filed figures and updates each quarter.
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.
Team First Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 14829) · FFIEC NIC profile (RSSD 923181)
Frequently asked questions
Is Team First Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Team First Federal Credit Union's net worth ratio is 13.48%, above the 7% NCUA threshold for well capitalized.
Is Team First Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Team First Federal Credit Union is a federally insured credit union (NCUA charter 14829): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Team First Federal Credit Union's key safety ratios?
For Q2 2026, Team First Federal Credit Union reports net worth 13.48%, delinquency 3.30%, ROA -0.54%, loan-to-share 66.42%.
What happens to my money if Team First Federal Credit Union fails?
For Q2 2026, Team First Federal Credit Union held $7.0M in shares and deposits for 819 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.