State credit union · RIDLEY PARK, Pennsylvania · NCUA charter #61387
BHCU
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $268.0M
- Total assets
- 8,858
- Members
- 11.8%
- Net-worth ratio
BHCU scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $268.0M; members 8,858; net-worth ratio 11.83%; health rank #1,114 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,114 of 4,374 health · 2025Q4BHCU · health 90/100 · $268.0M · 2025Q4
Call Report peers
BHCU in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BHCU vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BHCU sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where BHCU diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 82.01% vs peer 72.20% (+9.81 pp).
- Largest lag: Net Worth Ratio at 11.83% vs peer 12.11% (-0.28 pp).
Pennsylvania standing for BHCU
- Health composite ranks #51 of 275 among scored Pennsylvania credit unions.
- By total assets, BHCU is #38 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #77 of 275.
- One place up in Pennsylvania, Armstrong Associates (#50) ties at 90/100; one place down, LANCO (#52) ties at 90/100.
BHCU: 2025Q4 → 2026Q1
BHCU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $268.0M (2025Q4) to $273.0M (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.90% → 11.83%).
This credit union's 11.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
BHCU gives up 10 points in total. Member Growth costs the most, 4.2 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.1 pts
- Return on Assets 13.2 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 14.9 pts
BHCU health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.83% | -0.28 pp |
| Delinquency Rate | 0.89% | -0.00 pp |
| Return on Assets | 0.38% | -0.24 pp |
| Member Growth | 1.54% | - |
| Loan-to-Share Ratio | 82.01% | +9.81 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - BHCU
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $273.0M | - |
| 2025Q4 | $268.0M | 8,858 |
| 2024Q4 | $250.7M | 8,724 |
| 2023Q4 | $238.1M | 8,872 |
Credit Union Details
- Charter Number
- 61387
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- RIDLEY PARK
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, BHCU runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Ridley Park, PA |
| Glen Mills Office | Glen Mills, PA |
| Havertown Branch | Havertown, PA |
| West Chester Branch | West Chester, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Cross-state Call Report peers for BHCU
Using this data
- BHCU ranks #1,114 of 4,374 nationally on financial health and #51 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Penn East is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Penn East
Frequently Asked Questions
Is BHCU financially healthy?
On its 2025Q4 NCUA 5300 filing, BHCU scores 90/100 (Excellent), with a 11.83% net worth ratio and 0.89% of loans delinquent. It ranks #1,114 of 4,374 nationally on health and #51 of 275 in Pennsylvania.
How does BHCU compare to other credit unions?
BHCU scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (82.01% vs 72.20%). Its widest shortfall is net worth ratio (11.83% vs 12.11%).
How can I join BHCU?
Membership eligibility for BHCU depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact BHCU directly for current membership requirements and application steps.
Is my money safe at BHCU?
BHCU is a state-chartered 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. BHCU's net worth ratio of 11.83% 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.