Federal credit union · Bradford, Pennsylvania · NCUA charter #24857
Bradford Area School Employees
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $1.1M
- Total assets
- 263
- Members
- 22.5%
- Net-worth ratio
Bradford Area School Employees scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.1M; members 263; net-worth ratio 22.46%; health rank #2,518 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,518 of 4,374 health · 2025Q4Bradford Area School · health 81/100 · $1.1M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bradford Area School Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Bradford Area School Employees sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Bradford Area School Employees: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 111.17% here, 52.70% peer average (+58.47 pp).
- Net Worth Ratio trails the peer set - 22.46% here, 22.93% peer average (-0.47 pp).
Pennsylvania standing for Bradford Area School Employees
- Pennsylvania health ordinal: #129 of 275.
- By total assets, Bradford Area School Employees is #263 of 275 in Pennsylvania.
- Membership ranks #260 of 275 among Pennsylvania CUs with a reported count (263 members).
- One place up in Pennsylvania, Paper Converters Local 286/1034 (#128) scores 82/100, 1 point higher; one place down, Blair County (#130) ties at 81/100.
Bradford Area School Employees: 2025Q4 → 2026Q1
Bradford Area School Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $1.1M (2025Q4) to $1.1M (2026Q1).
- Net-worth ratio shifted +0.60 pp (21.86% → 22.46%).
22.46% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Bradford Area School Employees gives up 19 points in total. Member Growth costs the most, 10.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 6.7 pts
Call Report ratios for Bradford Area School Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.46% | -0.47 pp |
| Delinquency Rate | 0.14% | -4.34 pp |
| Return on Assets | 0.83% | +0.60 pp |
| Member Growth | -2.59% | - |
| Loan-to-Share Ratio | 111.17% | +58.47 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Bradford Area School filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.1M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Bradford Area School Employees.
| Office | City |
|---|---|
| Office (Main Office) | Bradford, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Other-state peers near Bradford Area School Employees
Similar health score
Using this data
- Bradford Area School Employees ranks #2,518 of 4,374 nationally on financial health and #129 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- E R R L is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with E R R L
Frequently Asked Questions
Is Bradford Area School Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Bradford Area School Employees scores 81/100 (Excellent), with a 22.46% net worth ratio and 0.14% of loans delinquent. It ranks #2,518 of 4,374 nationally on health and #129 of 275 in Pennsylvania.
How does Bradford Area School Employees compare to other credit unions?
Bradford Area School Employees scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (111.17% vs 52.70%). Its widest shortfall is net worth ratio (22.46% vs 22.93%).
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?
Bradford Area School Employees 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. Bradford Area School Employees's net worth ratio of 22.46% 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.