State credit union · Blue Bell, Pennsylvania · NCUA charter #68297
3HILL
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $50.3M
- Total assets
- 3,352
- Members
- 11.9%
- Net-worth ratio
3HILL scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $50.3M; members 3,352; net-worth ratio 11.95%; health rank #4,112 of 4,374; healthier than 6th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,112 of 4,374 health · 2025Q43HILL · health 58/100 · $50.3M · 2025Q4
- HEALTH 58/100
- NW 11.9%
- DELQ 1.54%
- ROA -0.62%
- ASSETS $50.3M
- MEM 3,352
- RANK #4,112/4,374
- PHOTO Consumers Cooperative
- BOOK 68297
Call Report peers
3HILL in the assets neighbourhood
3HILL's $50.3M assets sit next to Consumers Cooperative ($50.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
3HILL vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
58 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Peer-gap read for 3HILL
- Loan-to-Share Ratio trails the peer set - 57.78% here, 62.60% peer average (-4.82 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
3HILL in Pennsylvania
- Health composite ranks #255 of 275 among scored Pennsylvania credit unions.
- Pennsylvania assets place: #123 of 275.
- Member book place in Pennsylvania: #130 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
3HILL: 2025Q4 → 2026Q1
3HILL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $50.3M (2025Q4) to $51.2M (2026Q1).
- Net-worth ratio shifted +0.30 pp (11.65% → 11.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 58/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.9 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.95% | -1.67 pp |
| Delinquency Rate | 1.54% | +0.58 pp |
| Return on Assets | -0.62% | -1.27 pp |
| Member Growth | -6.11% | - |
| Loan-to-Share Ratio | 57.78% | -4.82 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - 3HILL
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $51.2M | - |
| 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
Branch Location
3HILL operates a single office in Blue Bell, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 3Hill Credit Union (Main Office) | Blue Bell, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near 3HILL
Two NCUA Call Report peer sets for 3HILL, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($50.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
Using this data
- 3HILL ranks #4,112 of 4,374 nationally on financial health and #255 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Firstenergy Choice is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Firstenergy Choice
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,112 of 4,374; by total assets it ranks #2,400 of 4,374 nationally (same basis as /rankings/largest); and #123 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.95% 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 11.95% 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.
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.