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
- MEM 77/100
- RANK 11.9%
- PHOTO 1.55%
- BOOK 1.17%
- CHARTER $234.2M
- NCUSIF 21,174
- CAMELS #3,103/4,374
- HEALTH UNIVERSITY
- NW 18868
Call Report peers
Bull Dog in the assets neighbourhood
Bull Dog's $234.2M assets sit next to UNIVERSITY ($234.1M) 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.
Bull Dog 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
77 28th percentile higher than 28% 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
Bull Dog - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #18868. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Bull Dog Call Report trajectory
Bull Dog: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $234.2M (2025Q4) to $241.5M (2026Q1).
- Net-worth ratio shifted -0.14 pp (12.01% → 11.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
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 - 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
Cross-state asset and health neighbours for Bull Dog - kept outside Maryland; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($234.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland 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 Bull Dog financially healthy?
A 11.87% net worth ratio and a 1.55% delinquency rate feed into Bull Dog's financial health score of 77/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,103 of 4,374; by total assets it ranks #1,183 of 4,374 nationally (same basis as /rankings/largest); and #29 of 62 within Maryland. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Bull Dog compare to other credit unions?
On PlainCU's health composite, Bull Dog lands at 77/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Bull Dog 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. Bull Dog's net worth ratio of 11.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bull Dog offer compared to banks?
Credit unions like Bull Dog 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 Bull Dog 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.