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Credit union, Chambersburg, PA
Patriot Credit Union, Chambersburg, PA
A credit union based in Chambersburg, PA. Its commercial book is led by non-owner-occupied CRE and multifamily. Public files show recent multifamily, 1-4 unit investor and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $141M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 22
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $1.34B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 717-263-4444 From the NCUA record, June 30, 2026.
- Website
- www.patriotfcu.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- patriotfcu.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- PATRIOT; Patriot FCUNCUA 5300,
- Address
- P.o. Box 778, Chambersburg, PA 17201-3810NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Community credit unions. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Patriot Credit Union originated 18 multifamily loans in 2025, versus 10 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 5.0% to $66M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 14.7% to $14M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Franklin County, PA | Refinance, 5 to 24 units | $4.9M | 6.75% | 10 yr | 80% | HMDA 2025 |
| 2025 | Franklin County, PA | Refinance, 5 to 24 units | $4M | 6.75% | 10 yr | 80% | HMDA 2025 |
| 2025 | Franklin County, PA | Refinance, 5 to 24 units | $1.8M | 6.75% | 10 yr | 75% | HMDA 2025 |
| 2025 | Adams County, PA | Purchase, 5 to 24 units | $700K | 7% | 10 yr | 80% | HMDA 2025 |
| 2025 | Washington County, MD | Refinance, 5 to 24 units | $680K | 6.6% | 10 yr | 45% | HMDA 2025 |
| 2025 | Washington County, MD | Refinance, 5 to 24 units | $560K | 6.25% | 10 yr | 72% | HMDA 2025 |
| 2025 | Washington County, MD | Refinance, 5 to 24 units | $520K | 6.25% | 10 yr | 75% | HMDA 2025 |
| 2025 | Franklin County, PA | Purchase, 5 to 24 units | $440K | 6.99% | 10 yr | 80% | HMDA 2025 |
| 2025 | Franklin County, PA | Purchase, 5 to 24 units | $380K | 6.75% | 10 yr | 63% | HMDA 2025 |
| 2025 | Adams County, PA | Purchase, 5 to 24 units | $380K | 8.25% | 5 yr | 79% | HMDA 2025 |
| 2025 | Washington County, MD | Purchase, 5 to 24 units | $380K | 6.85% | 10 yr | 74% | HMDA 2025 |
| 2025 | Franklin County, PA | Purchase, 5 to 24 units | $380K | 6.75% | 10 yr | 80% | HMDA 2025 |
| 2025 | Franklin County, PA | Purchase, 5 to 24 units | $360K | 7.3% | 10 yr | 80% | HMDA 2025 |
| 2025 | Franklin County, PA | Refinance, 5 to 24 units | $280K | 6.75% | 10 yr | 48% | HMDA 2025 |
| 2025 | Adams County, PA | Purchase, 5 to 24 units | $220K | 7% | 10 yr | 80% | HMDA 2025 |
| 2025 | Franklin County, PA | Refinance, 5 to 24 units | $120K | 6.99% | 4.3 yr | 61% | HMDA 2025 |
| 2025 | Washington County, MD | Purchase, 5 to 24 units | $85K | 6.85% | 10 yr | 63% | HMDA 2025 |
| 2025 | Franklin County, PA | Purchase, 5 to 24 units | $55K | 8.25% | 5 yr | 57% | HMDA 2025 |
| 2024 | Washington County, MD | Purchase, 5 to 24 units | $2.2M | 7.75% | 10 yr | 70% | HMDA 2024 |
| 2024 | Washington County, MD | Refinance, 5 to 24 units | $1.6M | 7% | 10 yr | 80% | HMDA 2024 |
| 2024 | Franklin County, PA | Refinance, 5 to 24 units | $920K | 7% | 10 yr | 80% | HMDA 2024 |
| 2024 | Cumberland County, PA | Refinance, 5 to 24 units | $880K | 6.7% | 10 yr | 70% | HMDA 2024 |
| 2024 | Franklin County, PA | Purchase, 5 to 24 units | $560K | 6.8% | 10 yr | 80% | HMDA 2024 |
| 2024 | Franklin County, PA | Purchase, 5 to 24 units | $480K | 6.5% | 10 yr | 80% | HMDA 2024 |
| 2024 | Franklin County, PA | Purchase, 5 to 24 units | $440K | 7.4% | 10 yr | 80% | HMDA 2024 |
| 18 multifamily loans made in 2025 | $16.1M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $43.7M | 4.5% | -2.3% | 98 | $446K |
| Construction and land development | $14.0M | 1.4% | +14.7% | 12 | $1.17M |
| Owner-occupied CRE | $13.0M | 1.3% | +30.8% | 40 | $326K |
| Non-owner-occupied CRE | $66.0M | 6.7% | +5.0% | 99 | $667K |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $4.41M | 0.5% | +31.7% | 49 | $90.0K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $141M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $80.4M |
| Q4 2023 | $91.0M |
| Q1 2024 | $93.5M |
| Q2 2024 | $99.2M |
| Q3 2024 | $103M |
| Q4 2024 | $101M |
| Q1 2025 | $118M |
| Q2 2025 | $133M |
| Q3 2025 | $132M |
| Q4 2025 | $136M |
| Q1 2026 | $139M |
| Q2 2026 | $141M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 18 | $16.1M | $385K | $4.9M | HMDA, |
| Multifamily, 5 or more units | 2024 | 10 | $8.03M | $525K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 42 | $6.53M | $150K | HMDA, | |
| Real-estate-secured commercial | First half of 2026 | 22 | $7.30M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 5 | $2.85M | NCUA 5300, | ||
| Construction | First half of 2026 | 1 | $270K | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 5 | $1.25M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 11 | $2.94M | NCUA 5300, | ||
| C&I | First half of 2026 | 10 | $801K | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
| Book | Average loan |
|---|---|
| Construction and land development | $1.17M |
| Multifamily | $446K |
| Owner-occupied CRE | $326K |
| Non-owner-occupied CRE | $667K |
| Commercial and industrial | $90.0K |
Programs on record: Federal Home Loan Bank member, Pittsburgh district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Pennsylvania HQ | 9 | 13 | 33 | 0 | 0 |
| Maryland | 3 | 5 | 6 | 0 | 0 |
| West Virginia | 1 | 0 | 3 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Franklin County, PA | 15 | $15.2M |
| Washington County, MD | 7 | $6.04M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Chambersburg, PA | 15 | $15.2M |
| Hagerstown-Martinsburg, MD-WV | 7 | $6.04M |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $164M | $111M to $270M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $145M | $13.7M to $282M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 88.5% | 8.0% to 156.7% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $23.1M | $11.7M to $35.6M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 80.3% | 6.2% to 211.4% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 73.1% | 45.8% to 81.6% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| People First Credit Union | PA | $1.04B | $115M |
| Sun East Credit Union | PA | $909M | $184M |
| First Commonwealth Credit Union | PA | $1.47B | $301M |
| Utilities Employees Credit Union | PA | $1.51B | $241M |
| Diamond Credit Union | PA | $1.22B | $79.8M |
| Merck Sharp & Dohme Credit Union | PA | $1.01B | $11.2M |
| Freedom Credit Union | PA | $1.50B | $14.4M |
| Franklin Mint Credit Union | PA | $2.20B | $227M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Patriot Credit Union, NCUA charter 16574. Compare it with the regulator's record. [NCUA profile]
- Balances. $1.34B in total assets and $141M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 22 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 70 loans in the HMDA file, in 2024 and 2025: 18 HMDA multifamily 2025, 10 HMDA multifamily 2024, 42 HMDA 1-4 unit investor 2025. [How each file was tied to Patriot Credit Union]
- Phone and website. Phone 717-263-4444, from the NCUA record. Website patriotfcu.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 16574
- RSSD
- 630984
- LEI
- 549300IWSSP83SNIPE63
- The Lender Report ID
- lr_001215
- Main office county
- Franklin
- Members
- 83,056
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $1.3B in total assets as of June 30, 2026 (NCUA 5300).
- Held $141.1M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $66M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 5.0% from a year earlier (NCUA 5300).
- Held $43.7M of multifamily loans as of June 30, 2026 (NCUA 5300).
- Held $14M of construction and land loans as of June 30, 2026, up 14.7% from a year earlier (NCUA 5300).
- Originated 18 multifamily loans totaling $16.1M in 2025 (HMDA).
5 more sentences
- Originated 10 multifamily loans totaling $8M in 2024 (HMDA).
- Originated 42 1-4 unit investor or business-purpose loans totaling $6.5M in 2025 (HMDA).
- Originated 22 real-estate-secured commercial loans totaling $7.3M in the first half of 2026 (NCUA 5300).
- Held $800K of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 13 offices in 3 states (NCUA).
Cite this
Source: The Lender Report, Patriot Credit Union, https://lender.report/lender/patriot-credit-union-pa/, data as of June 30, 2026.
Sources
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem