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.
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NCUA 5300 Call Report Masthead
#3,796 of 4,374 health · 2025Q4AVH · health 66/100 · $4.4M · 2025Q4
Call Report peers
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AVH vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); AVH sits in 65-69 with 275 others.
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
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).
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.
- One place up in Pennsylvania, Hill District (#232) scores 67/100, 1 point higher; one place down, Allegheny Valley (#234) ties at 66/100.
How AVH's 5300 filing moved
AVH: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $4.4M (2025Q4) to $4.5M (2026Q1).
- Net-worth ratio shifted -1.23 pp (38.61% → 37.38%).
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
AVH gives up 34 points in total. Delinquency Rate costs the most, 16 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is AVH financially healthy?
AVH has a financial health score of 66/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,796 of 4,374 nationally on health and #233 of 275 in Pennsylvania. Its net worth ratio is 37.38% and its delinquency rate 2.56%.
How does AVH compare to other credit unions?
AVH scores 66/100, higher than 12% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (37.38% vs 19.06%). Its widest shortfall is loan-to-share ratio (55.20% vs 63.60%).
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?
AVH is a federal 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. AVH's net worth ratio of 37.38% 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.