Credit Union Safety Analysis
Is Williamsport Teachers Credit Union Safe? Williamsport, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Williamsport Teachers Credit Union has a net worth ratio of 19.52%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.56%, 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, Williamsport Teachers Credit Union's net worth ratio is 19.52%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.52%
- Delinquency ratio (60+ days) (Q2 2026): 0.56%
- Return on assets (Q2 2026): 0.85%
- Loan-to-share ratio (Q2 2026): 52.91%
Williamsport Teachers Credit Union (NCUA charter 65211, established 1934) reported $15.6M in assets and 1,085 members for Q2 2026 from Williamsport, Pennsylvania. It ranks 184 of 269 credit unions in Pennsylvania by total assets. Total assets grew 11.3% from $14.0M on June 30, 2025. It has 13 fewer members than on June 30, 2025 (-1.2%). Its net worth ratio was down 1.20 percentage points from 20.72% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.3M of $6.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.56% is below 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: 20.24% for Q1 2026; 20.72% 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: 0.75% for Q1 2026; 0.24% 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: 0.60% for Q1 2026; 1.27% 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: 51.56% for Q1 2026; 54.42% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $3.3M
- New vehicle loans: $1.5M
- Used vehicle loans: $1.2M
- Other unsecured loans and lines of credit: $362K
- Other secured non-real estate loans and lines of credit: $150K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $15.6M | 19.52% | 0.56% | 0.85% | 52.91% |
| March 31, 2026 | $14.9M | 20.24% | 0.75% | 0.60% | 51.56% |
| December 31, 2025 | $14.3M | 20.84% | 1.50% | 1.10% | 54.81% |
| September 30, 2025 | $14.0M | 21.05% | 0.21% | 1.35% | 55.59% |
| June 30, 2025 | $14.0M | 20.72% | 0.24% | 1.27% | 54.42% |
| March 31, 2025 | $14.1M | 20.30% | 0.02% | 1.02% | 53.14% |
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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.
Williamsport Teachers Credit Union profile
Regulator records: NCUA credit union profile (charter 65211) · FFIEC NIC profile (RSSD 323594)
Frequently asked questions
Is Williamsport Teachers Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Williamsport Teachers Credit Union's net worth ratio is 19.52%, above the 7% NCUA threshold for well capitalized.
Is Williamsport Teachers Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Williamsport Teachers Credit Union is a federally insured credit union (NCUA charter 65211): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Williamsport Teachers Credit Union's key safety ratios?
For Q2 2026, Williamsport Teachers Credit Union reports net worth 19.52%, delinquency 0.56%, ROA 0.85%, loan-to-share 52.91%.
What happens to my money if Williamsport Teachers Credit Union fails?
For Q2 2026, Williamsport Teachers Credit Union held $12.5M in shares and deposits for 1,085 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.