State credit union · BRISTOL, Pennsylvania · NCUA charter #61101
ACCESS
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $67.5M
- Total assets
- 4,125
- Members
- 11.9%
- Net-worth ratio
ACCESS scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $67.5M; members 4,125; net-worth ratio 11.89%; health rank #2,597 of 4,374; healthier than 39th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,597 of 4,374 health · 2025Q4ACCESS · health 81/100 · $67.5M · 2025Q4
Call Report peers
ACCESS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ACCESS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ACCESS sits in 80-84 with 767 others.
81 39th percentile higher than 39% 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
Where ACCESS diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.04% vs peer 0.96% (-0.92 pp).
- Largest lag: Loan-to-Share Ratio at 54.35% vs peer 62.60% (-8.25 pp).
Where ACCESS sits in Pennsylvania
- In Pennsylvania, health place is #144 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #106 of 275.
- Pennsylvania membership ordinal: #117 of 275.
- One place up in Pennsylvania, AMERICO (#143) ties at 81/100; one place down, Pennsylvania State Employees (#145) ties at 81/100.
ACCESS: 2025Q4 → 2026Q1
ACCESS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $67.5M (2025Q4) to $69.2M (2026Q1).
- Net-worth ratio shifted -0.18 pp (12.07% → 11.89%).
11.89% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
ACCESS gives up 19 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.89% | -1.73 pp |
| Delinquency Rate | 0.04% | -0.92 pp |
| Return on Assets | 0.58% | -0.08 pp |
| Member Growth | -5.02% | - |
| Loan-to-Share Ratio | 54.35% | -8.25 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - ACCESS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $69.2M | - |
| 2025Q4 | $67.5M | 4,125 |
| 2024Q4 | $64.5M | 4,343 |
| 2023Q4 | $58.9M | 4,471 |
Credit Union Details
- Charter Number
- 61101
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- BRISTOL
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for ACCESS.
| Office | City |
|---|---|
| Access Credit Union (Main Office) | Bristol, 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.
Nationwide credit unions with similar profiles
Using this data
- ACCESS ranks #2,597 of 4,374 nationally on financial health and #144 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TITAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TITAN
Frequently Asked Questions
Is ACCESS financially healthy?
ACCESS has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,597 of 4,374 nationally on health and #144 of 275 in Pennsylvania. Its net worth ratio is 11.89% and its delinquency rate 0.04%.
How does ACCESS compare to other credit unions?
ACCESS scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.04% vs 0.96%). Its widest shortfall is loan-to-share ratio (54.35% vs 62.60%).
How can I join ACCESS?
Membership eligibility for ACCESS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ACCESS directly for current membership requirements and application steps.
Is my money safe at ACCESS?
ACCESS is a state-chartered credit union; its shares are federally 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. ACCESS's net worth ratio of 11.89% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.