Federal credit union · Bradford, Pennsylvania · NCUA charter #24857
Bradford Area School Employees
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $1.1M
- Total assets
- 263
- Members
- 21.9%
- Net-worth ratio
Bradford Area School Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24857. See our deposit-insurance coverage note.
Bradford Area School Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth29
- Liquidity (loan-to-share)42
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
21.86% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.86% | 30% |
| Delinquency Rate | 0.14% | 25% |
| Return on Assets | 0.83% | 15% |
| Member Growth | -2.59% | 15% |
| Loan-to-Share Ratio | 111.17% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.1M | 263 |
| 2024Q4 | $1.0M | 270 |
| 2023Q4 | $1.0M | 266 |
Credit Union Details
- Charter Number
- 24857
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Pennsylvania
- City
- Bradford
- Data Quarter
- 2025Q4
What This Data Says About Bradford Area School Employees
263 members and $1.1M in total assets sit behind Bradford Area School Employees, a federal credit union in Bradford, Pennsylvania, which posts a health score of 81/100 (Excellent) on the five-factor composite, with $951K in outstanding loans as of Q4 2025 and a net worth ratio of 21.86% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24857 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 0.14% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers - and a 111.17% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.83% on net income of $9K 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 -2.59%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
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 Bradford Area School Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Bradford Area School Employees carries a financial health score of 81/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 21.86% net worth ratio and a 0.14% delinquency rate.
How does Bradford Area School Employees compare to other credit unions?
81/100 is Bradford Area School Employees's score on PlainCU's health composite, compared to a peer group average for Under $2M 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 Bradford Area School Employees?
Bradford Area School Employees 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 Bradford Area School Employees directly for the exact boundaries and application steps.
Is my money safe at Bradford Area School Employees?
Federal credit unions like Bradford Area School Employees 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. Bradford Area School Employees's net worth ratio of 21.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bradford Area School Employees offer compared to banks?
Credit unions like Bradford Area School Employees 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 Bradford Area School Employees 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.