Charter 16574 · Chambersburg, PA
Patriot Federal Credit Union
Patriot Federal Credit Union is a federally chartered credit union in Chambersburg, Pennsylvania, with $1.34 billion in assets and 82,219 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.49%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.34 billion
- +9.9% in a year
- Members
- 82,219
- +2.5% in a year
- Net worth ratio
- 11.49%
- Peer median 10.79%
- Loans 60+ days late
- 0.26%
- Peer median 0.67%
- Loans outstanding
- $980 million
- +6.1% in a year
- Shares and deposits
- $1.19 billion
- +9.9% in a year
- Branches
- 12
- 239 employees
- Opened
- 1965
- Federal charter
How Patriot Federal Credit Union compares
NCUA groups credit unions by size; Patriot Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.49% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.26%, is lower than the group median of 0.67%. Loans grew 6.1% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 13 of 269 credit unions headquartered in Pennsylvania. See all Pennsylvania credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.34 billion | 82,219 | $980 million | 11.49% | 0.26% |
| Q1 2026 | $1.33 billion | 81,733 | $960 million | 11.35% | 0.29% |
| Q4 2025 | $1.29 billion | 81,278 | $954 million | 11.37% | 0.35% |
| Q3 2025 | $1.25 billion | 80,838 | $948 million | 11.54% | 0.28% |
| Q2 2025 | $1.22 billion | 80,241 | $923 million | 11.59% | 0.33% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 779,194 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 13 sites for Patriot Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Corporate Office (main office)
800 Wayne Ave, Chambersburg, PA 17201 - Corporate Center
800 Wayne Ave, Chambersburg, PA 17201 - Waynesboro Financial Services Center
10933 Buchanan Trl E, Waynesboro, PA 17268 - Federal Street
140 S Federal St, Chambersburg, PA 17201 - North Pointe Office
18721 Longmeadow Rd, Hagerstown, MD 21742 - CASHS Student Branch
511 S 6Th St, Chambersburg, PA 17201 - Gateway Avenue Office
488 Gateway Ave, Chambersburg, PA 17201 - Lincoln Highway East
1536 Lincoln Way E, Chambersburg, PA 17202 - Robinwood
11067 Robinwood Dr, Hagerstown, MD 21742 - Ballenger Creek Branch
5099 Corporate Dr, Frederick, MD 21703 - Shippensburg
1095 W King St, Shippensburg, PA 17257 - Greencastle Branch
200 N Antrim Way, Greencastle, PA 17225 - Spring Mills
5268 Williamsport Pike, Martinsburg, WV 25404
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology