Federal credit union · Walnutport, Pennsylvania · NCUA charter #13821
B V M S N
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $1.7M
- Total assets
- 182
- Members
- 22.1%
- Net-worth ratio
B V M S N scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.7M; members 182; net-worth ratio 22.05%; health rank #3,318 of 4,374; healthier than 23rd of scored peers.
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NCUA 5300 Call Report Masthead
#3,318 of 4,374 health · 2025Q4B V M S N · health 74/100 · $1.7M · 2025Q4
Call Report peers
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B V M S N vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); B V M S N sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
B V M S N: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 4.48% (-4.48 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -32.92 pp (19.78% vs 52.70%).
Where B V M S N sits in Pennsylvania
- Health composite ranks #205 of 275 among scored Pennsylvania credit unions.
- Pennsylvania assets place: #262 of 275.
- Membership ranks #264 of 275 among Pennsylvania CUs with a reported count (182 members).
- One place up in Pennsylvania, Mon Valley Community (#204) ties at 74/100; one place down, Healthcare First Credit Union (#206) ties at 74/100.
B V M S N Call Report trajectory
B V M S N: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.5% from $1.7M (2025Q4) to $1.7M (2026Q1).
- Net-worth ratio shifted +0.70 pp (21.35% → 22.05%).
At 22.05%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
B V M S N gives up 26 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.05% | -0.88 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.24% | +0.02 pp |
| Member Growth | -10.78% | - |
| Loan-to-Share Ratio | 19.78% | -32.92 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
B V M S N filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.7M | - |
| 2025Q4 | $1.7M | 182 |
| 2024Q4 | $1.9M | 204 |
| 2023Q4 | $2.3M | 227 |
Credit Union Details
- Charter Number
- 13821
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Pennsylvania
- City
- Walnutport
- Data Quarter
- 2025Q4
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.
B V M S N nationwide neighbourhoods
Similar health score
Using this data
- B V M S N ranks #3,318 of 4,374 nationally on financial health and #205 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Berylco Employees' is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Berylco Employees'
Frequently Asked Questions
Is B V M S N financially healthy?
B V M S N has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,318 of 4,374 nationally on health and #205 of 275 in Pennsylvania. Its net worth ratio is 22.05% and its delinquency rate 0.00%.
How does B V M S N compare to other credit unions?
B V M S N scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (0.00% vs 4.48%). Its widest shortfall is loan-to-share ratio (19.78% vs 52.70%).
How can I join B V M S N?
B V M S N 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 B V M S N directly for the exact boundaries and application steps.
Is my money safe at B V M S N?
B V M S N 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. B V M S N's net worth ratio of 22.05% 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.