Credit union · NCUA insured
Guthrie Community Credit Union
A $124.4M credit union headquartered in Sayre, PA, with 7,300 members and 2 branches in Pennsylvania. Best rates: CDs 3.67% and savings 0.95% APY.
Guthrie Community Credit Union Carrot Score
76
Carrot Score
Higher than 42% of U.S. banks and credit unions
#3 of 7 in Sayre, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Guthrie Community Credit Union
Originally chartered in 1979 by seven individuals, Guthrie Community Credit Union is a member-owned, not-for-profit financial cooperative.
Serving Tompkins, Schuyler, Tioga, Chemung, and Steuben Counties in New York, as well as Bradford and Tioga Counties in Pennsylvania, the credit union operates branches in Sayre and Troy, Pennsylvania.
- Headquarters
- 104 N Elmer Ave, Sayre, PA 18840
- NCUA charter
- 23394
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Tompkins, Schuyler, Tioga, Chemung, or Steuben Counties in New York, or Bradford or Tioga Counties in Pennsylvania are eligible to join.
Family and household
- Immediate family members of current GCCU members are eligible to join.
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
- Elmer Ave OfficeMain office104 N Elmer Ave, Sayre, PA 18840Directions
- Troy Office454 Canton St, Troy, PA 16947Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.90% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.31% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.42% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $55 | $76 | — |
- CapitalNet worth ratio10.90%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.31%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.42%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$55Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Guthrie Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.