Credit union · NCUA insured
New Directions Community Credit Union
A $40.8M credit union headquartered in Franklin, PA, with 5,781 members and 3 branches in Pennsylvania. Best rates: CDs 4.15% and savings 0.15% APY.
New Directions Community Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#1 of 9 in Oil City, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About New Directions Community Credit Union
Chartered in 1974, New Directions Community Credit Union was originally founded by the employees of Franklin Steel.
The member-owned credit union serves individuals and businesses across Venango, Forest, Warren, and Crawford Counties in Pennsylvania.
- Headquarters
- 777 Allegheny Blvd, Franklin, PA 16323
- NCUA charter
- 65356
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to persons who live, work, worship, volunteer, attend school, regularly conduct business in, or own a business in Venango, Forest, Warren, and Crawford Counties, Pennsylvania.
Cost to join
- A minimum opening deposit of $5.00 is required to join, representing a share of ownership in the Credit Union.
Branches
3 branches in Pennsylvania
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Pennsylvania
3 branches
Oil City area · 2
- New Directions Community Credit UnionMain office777 Allegheny Blvd, Franklin, PA 16323Directions
- New Directions Community Credit Union25 E 1st St, Oil City, PA 16301Directions
Meadville area · 1
- New Directions Community Credit Union206 S Martin St, Titusville, PA 16354Directions
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 | 14.54% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.76% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.13% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $74 | $59 | — |
- CapitalNet worth ratio14.54%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.76%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.13%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$74Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 New Directions 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.