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
- PHOTO 81/100
- BOOK 22.5%
- CHARTER 0.14%
- NCUSIF 0.83%
- CAMELS $1.1M
- HEALTH 263
- NW #2,518/4,374
- DELQ n/a
- ROA 24857
Call Report peers
Bradford Area School Employees carries $1.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% 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
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: 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).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Bradford Area School Employees: 2025Q4 → 2026Q1
Bradford Area School Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $1.1M (2025Q4) to $1.1M (2026Q1).
- Net-worth ratio shifted +0.60 pp (21.86% → 22.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Cross-state asset and health neighbours for Bradford Area School Employees - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #2,518 of 4,374; by total assets it ranks #4,219 of 4,374 nationally (same basis as /rankings/largest); and #263 of 275 within Pennsylvania. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 22.46% 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 22.46% 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.
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.