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
- NCUSIF 90/100
- CAMELS 11.8%
- HEALTH 0.89%
- NW 0.38%
- DELQ $268.0M
- ROA 8,858
- ASSETS #1,114/4,374
- MEM WICHITA
- RANK 61387
Call Report peers
BHCU in the assets neighbourhood
BHCU's $268.0M assets sit next to WICHITA ($268.9M) 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.
BHCU 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
90 Top 27% higher than 73% 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
BHCU - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #61387, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
BHCU: 2025Q4 → 2026Q1
BHCU: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $268.0M (2025Q4) to $273.0M (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.90% → 11.83%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
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 - 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
BHCU's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($268.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- 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 BHCU financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - BHCU's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,114 of 4,374; by total assets it ranks #1,096 of 4,374 nationally (same basis as /rankings/largest); and #38 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.83% net worth ratio and 0.89% delinquency rate are the key drivers.
How does BHCU compare to other credit unions?
90/100 is BHCU's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like BHCU 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. BHCU's net worth ratio of 11.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BHCU offer compared to banks?
Credit unions like BHCU 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 BHCU 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.