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
Call Report peers
BENCHMARK in the assets neighbourhood
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BENCHMARK vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BENCHMARK 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
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%).
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.
- One place up in Pennsylvania, North Penn (#208) ties at 74/100; one place down, Bucks County Employees (#210) scores 73/100, 1 point lower.
How BENCHMARK's 5300 filing moved
BENCHMARK: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- 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%).
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
BENCHMARK gives up 26 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is BENCHMARK financially healthy?
On its 2025Q4 NCUA 5300 filing, BENCHMARK scores 74/100 (Very Good), with a 10.31% net worth ratio and 0.52% of loans delinquent. It ranks #3,351 of 4,374 nationally on health and #209 of 275 in Pennsylvania.
How does BENCHMARK compare to other credit unions?
BENCHMARK scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (87.07% vs 72.20%). Its widest shortfall is net worth ratio (10.31% vs 12.11%).
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?
BENCHMARK 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. BENCHMARK's net worth ratio of 10.31% 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.