Federal credit union · natrona heights, Pennsylvania · NCUA charter #22953
AVH
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $4.4M
- Total assets
- 566
- Members
- 37.4%
- Net-worth ratio
AVH scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.4M; members 566; net-worth ratio 37.38%; health rank #3,796 of 4,374; healthier than 12th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,796 of 4,374 health · 2025Q4AVH · health 66/100 · $4.4M · 2025Q4
- ASSETS 66/100
- MEM 37.4%
- RANK 2.56%
- PHOTO 2.57%
- BOOK $4.4M
- CHARTER 566
- NCUSIF #3,796/4,374
- CAMELS n/a
- HEALTH 22953
Call Report peers
AVH carries $4.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AVH 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
66 12th percentile higher than 12% 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
AVH - Share Insurance Coverage
Charter #22953's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where AVH diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +18.32 pp (37.38% vs 19.06%).
- Loan-to-Share Ratio trails the peer set - 55.20% here, 63.60% peer average (-8.40 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
AVH in Pennsylvania
- Health composite ranks #233 of 275 among scored Pennsylvania credit unions.
- Pennsylvania assets place: #242 of 275.
- Pennsylvania membership ordinal: #246 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.
How AVH's 5300 filing moved
AVH: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $4.4M (2025Q4) to $4.5M (2026Q1).
- Net-worth ratio shifted -1.23 pp (38.61% → 37.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
37.38% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 66/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 37.38% | +18.32 pp |
| Delinquency Rate | 2.56% | +0.75 pp |
| Return on Assets | 2.57% | +2.12 pp |
| Member Growth | -11.98% | - |
| Loan-to-Share Ratio | 55.20% | -8.40 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - AVH
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.5M | - |
| 2025Q4 | $4.4M | 566 |
| 2024Q4 | $4.2M | 643 |
| 2023Q4 | $4.5M | 591 |
Credit Union Details
- Charter Number
- 22953
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- natrona heights
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for AVH.
| Office | City |
|---|---|
| avh federal credit union (Main Office) | natrona heights, 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.
- UNIVERSITY OF PENNSYLVANIA STUDENTSPhiladelphia, PA · $2M–$10M53Health
- CHESWICK ATOMIC DIVISIONHarwick, PA · $2M–$10M89Health
- MCKEESPORT AREA PUBLIC SCHOOL EMPMCKEESPORT, PA · $2M–$10M84Health
- ASBESTOS WORKERS LOCAL 14Philadelphia, PA · $2M–$10M75Health
- KENNAFORDBedford, PA · $2M–$10M50Health
AVH nationwide neighbourhoods
Cross-state asset and health neighbours for AVH - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
Using this data
- AVH ranks #3,796 of 4,374 nationally on financial health and #233 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- University of Pennsylvania Students is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with University of Pennsylvania Students
- 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 AVH financially healthy?
AVH scores 66/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,796 of 4,374; by total assets it ranks #3,934 of 4,374 nationally (same basis as /rankings/largest); and #242 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 37.38% net worth ratio and a 2.56% delinquency rate.
How does AVH compare to other credit unions?
Five weighted metrics from NCUA filings produce AVH's 66/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 AVH?
AVH operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact AVH directly for the exact boundaries and application steps.
Is my money safe at AVH?
Federal credit unions like AVH 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. AVH's net worth ratio of 37.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does AVH offer compared to banks?
Credit unions like AVH 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 AVH 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.