Federal credit union · West Chester, Pennsylvania · NCUA charter #3738
Benchmark
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $296.4M
- Total assets
- 8,943
- Members
- 10.3%
- Net-worth ratio
Benchmark - Share Insurance Coverage
Charter #3738'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.
Benchmark - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)99
- Earnings (ROA)25
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.31% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.31% | 30% |
| Delinquency Rate | 0.52% | 25% |
| Return on Assets | -0.08% | 15% |
| Member Growth | -8.96% | 15% |
| Loan-to-Share Ratio | 87.07% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $296.4M | 8,943 |
| 2024Q4 | $305.6M | 9,823 |
| 2023Q4 | $310.9M | 10,412 |
Credit Union Details
- Charter Number
- 3738
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- West Chester
- Data Quarter
- 2025Q4
What This Data Says About Benchmark
Benchmark is a federal credit union headquartered in West Chester, Pennsylvania, serving 8,943 members with $296.4M in total assets and $218.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 74/100 (Very Good), anchored by a net worth ratio of 10.31% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #3738 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 0.52% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 87.07% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.08% on net income of $-239788 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -8.96%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other/Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Benchmark financially healthy?
A 10.31% net worth ratio and a 0.52% delinquency rate feed into Benchmark's financial health score of 74/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Benchmark compare to other credit unions?
On PlainCU's health composite, Benchmark lands at 74/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Benchmark?
Benchmark 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 Benchmark directly for the exact boundaries and application steps.
Is my money safe at Benchmark?
Federal credit unions like Benchmark 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. Benchmark's net worth ratio of 10.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Benchmark offer compared to banks?
Credit unions like Benchmark 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 Benchmark directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.