Federal credit union · West Chester, Pennsylvania · NCUA charter #3738
BENCHMARK
Health score 74/100, grade B (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 scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $296.4M; members 8,943; net-worth ratio 10.31%; health rank #3,351 of 4,374; healthier than 23rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,351 of 4,374 health · 2025Q4BENCHMARK · health 74/100 · $296.4M · 2025Q4
- BOOK 74/100
- CHARTER 10.3%
- NCUSIF 0.52%
- CAMELS -0.08%
- HEALTH $296.4M
- NW 8,943
- DELQ #3,351/4,374
- ROA Bowater Employees
- ASSETS 3738
Call Report peers
BENCHMARK in the assets neighbourhood
BENCHMARK's $296.4M assets sit next to Bowater Employees ($296.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BENCHMARK 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
74 23rd percentile higher than 23% 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
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.
Where BENCHMARK diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 87.07% here, 72.20% peer average (+14.87 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.80 pp (10.31% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where BENCHMARK sits in Pennsylvania
- Health composite ranks #209 of 275 among scored Pennsylvania credit unions.
- By total assets, BENCHMARK is #33 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #76 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 BENCHMARK's 5300 filing moved
BENCHMARK: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -3.0% from $305.6M (2024Q4) to $296.4M (2025Q4).
- Membership moved -9.0% from 9,823 to 8,943 over the same window.
- Net-worth ratio shifted +0.19 pp (10.12% → 10.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.31% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.8 pts
- Return on Assets 3.8 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
BENCHMARK vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.31% | -1.80 pp |
| Delinquency Rate | 0.52% | -0.38 pp |
| Return on Assets | -0.08% | -0.70 pp |
| Member Growth | -8.96% | - |
| Loan-to-Share Ratio | 87.07% | +14.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - BENCHMARK
| 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
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.
BENCHMARK nationwide neighbourhoods
BENCHMARK's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($296.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- BENCHMARK ranks #3,351 of 4,374 nationally on financial health and #209 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Century Heritage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Century Heritage
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,351 of 4,374; by total assets it ranks #1,043 of 4,374 nationally (same basis as /rankings/largest); and #33 of 275 within Pennsylvania. 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.
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.