Federal credit union · HAGERSTOWN, Maryland · NCUA charter #18868
Bull Dog
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $234.2M
- Total assets
- 21,174
- Members
- 11.9%
- Net-worth ratio
Bull Dog scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $234.2M; members 21,174; net-worth ratio 11.87%; health rank #3,103 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,103 of 4,374 health · 2025Q4Bull Dog · health 77/100 · $234.2M · 2025Q4
Call Report peers
Bull Dog in the assets neighbourhood
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Bull Dog vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Bull Dog sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Bull Dog: Call Report deltas vs peers
- Largest favorable gap: Return on Assets at 1.17% vs peer 0.62% (+0.54 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -31.40 pp (40.80% vs 72.20%).
Where Bull Dog sits in Maryland
- In Maryland, health place is #37 of 62 on the same NCUA-ratio sort used nationally.
- By total assets, Bull Dog is #29 of 62 in Maryland.
- Membership ranks #23 of 62 among Maryland CUs with a reported count (21,174 members).
- One place up in Maryland, Capital Area Taiwanese (#36) scores 78/100, 1 point higher; one place down, Howard County Education (#38) ties at 77/100.
Bull Dog Call Report trajectory
Bull Dog: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $234.2M (2025Q4) to $241.5M (2026Q1).
- Net-worth ratio shifted -0.14 pp (12.01% → 11.87%).
This credit union's 11.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
Bull Dog gives up 23 points in total. Delinquency Rate costs the most, 9.1 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.9 pts
- Return on Assets 15.0 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 9.1 pts
Bull Dog vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.87% | -0.24 pp |
| Delinquency Rate | 1.55% | +0.66 pp |
| Return on Assets | 1.17% | +0.54 pp |
| Member Growth | -1.13% | - |
| Loan-to-Share Ratio | 40.80% | -31.40 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Bull Dog
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $241.5M | - |
| 2025Q4 | $234.2M | 21,174 |
| 2024Q4 | $223.5M | 21,416 |
| 2023Q4 | $227.5M | 21,767 |
Credit Union Details
- Charter Number
- 18868
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maryland
- City
- HAGERSTOWN
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, Bull Dog runs 6 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Hagerstown, MD |
| York Road | Hagerstown, MD |
| Dual Highway | Hagerstown, MD |
| Centre | Hagerstown, MD |
| Sharpsburg | Hagerstown, MD |
| Smithsburg | Smithsburg, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
A look at other Maryland credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Bull Dog
Similar total assets
Using this data
- Bull Dog ranks #3,103 of 4,374 nationally on financial health and #37 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SKYPOINT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SKYPOINT
Frequently Asked Questions
Is Bull Dog financially healthy?
Bull Dog has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,103 of 4,374 nationally on health and #37 of 62 in Maryland. Its net worth ratio is 11.87% and its delinquency rate 1.55%.
How does Bull Dog compare to other credit unions?
Bull Dog scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (1.17% vs 0.62%). Its widest shortfall is loan-to-share ratio (40.80% vs 72.20%).
How can I join Bull Dog?
Bull Dog 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 Bull Dog directly for the exact boundaries and application steps.
Is my money safe at Bull Dog?
Bull Dog 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. Bull Dog's net worth ratio of 11.87% 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.