State credit union · Blue Bell, Pennsylvania · NCUA charter #68297
3hill
Health score 58/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $50.3M
- Total assets
- 3,352
- Members
- 11.6%
- Net-worth ratio
3hill - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68297 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
3hill - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)64
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)82
Weighted composite: 58/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.65% | 30% |
| Delinquency Rate | 1.54% | 25% |
| Return on Assets | -0.62% | 15% |
| Member Growth | -6.11% | 15% |
| Loan-to-Share Ratio | 57.78% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $50.3M | 3,352 |
| 2024Q4 | $50.7M | 3,570 |
| 2023Q4 | $51.8M | 3,692 |
Credit Union Details
- Charter Number
- 68297
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Blue Bell
- Data Quarter
- 2025Q4
What This Data Says About 3hill
The five-factor composite scores 3hill at 58/100 (Fair), reflecting a net worth ratio of 11.65% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Blue Bell, Pennsylvania, reports 3,352 members, $50.3M in total assets, and $26.9M in outstanding loans as of Q4 2025 under charter #68297 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
On loan book quality: 1.54% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Meanwhile a 57.78% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.62% on net income of $-309692 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -6.11%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is 3hill financially healthy?
3hill has a financial health score of 58/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.65% and delinquency rate of 1.54%.
How does 3hill compare to other credit unions?
Five weighted metrics from NCUA filings produce 3hill's 58/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 3hill?
Membership eligibility for 3hill depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 3hill directly for current membership requirements and application steps.
Is my money safe at 3hill?
Federal credit unions like 3hill are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 3hill's net worth ratio of 11.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 3hill offer compared to banks?
Credit unions like 3hill are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 3hill directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.