Federal credit union · Belle Vernon, Pennsylvania · NCUA charter #16063
BVA
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $38.1M
- Total assets
- 2,218
- Members
- 9.3%
- Net-worth ratio
BVA scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.1M; members 2,218; net-worth ratio 9.32%; health rank #4,189 of 4,374; healthier than 4th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,189 of 4,374 health · 2025Q4BVA · health 55/100 · $38.1M · 2025Q4
- NCUSIF 55/100
- CAMELS 9.3%
- HEALTH 3.01%
- NW 0.16%
- DELQ $38.1M
- ROA 2,218
- ASSETS #4,189/4,374
- MEM GSA
- RANK 16063
Call Report peers
BVA in the assets neighbourhood
BVA's $38.1M assets sit next to GSA ($38.1M) 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.
BVA 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
55 4th percentile higher than 4% 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
BVA - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #16063 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
BVA vs $10M–$50M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -33.04 pp (26.76% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
BVA: in-state Call Report ranks
- Pennsylvania health ordinal: #261 of 275.
- By total assets, BVA is #139 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #160 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How BVA's 5300 filing moved
BVA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $38.1M (2025Q4) to $39.1M (2026Q1).
- Net-worth ratio shifted +0.01 pp (9.31% → 9.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.32% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 55/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 55.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 6.2 pts
- Return on Assets 10.0 pts
- Member Growth 1.8 pts
- Loan-to-Share Ratio 8.7 pts
BVA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.32% | -5.54 pp |
| Delinquency Rate | 3.01% | +1.87 pp |
| Return on Assets | 0.16% | -0.54 pp |
| Member Growth | -3.98% | - |
| Loan-to-Share Ratio | 26.76% | -33.04 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - BVA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.1M | - |
| 2025Q4 | $38.1M | 2,218 |
| 2024Q4 | $35.9M | 2,310 |
| 2023Q4 | $35.5M | 2,315 |
Credit Union Details
- Charter Number
- 16063
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Belle Vernon
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for BVA.
| Office | City |
|---|---|
| BVA Federal Credit Union (Main Office) | Belle Vernon, 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.
Cross-state Call Report peers for BVA
Cross-state asset and health neighbours for BVA - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($38.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (55/100 here).
Using this data
- BVA ranks #4,189 of 4,374 nationally on financial health and #261 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Norwin Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Norwin Teachers
- 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 BVA financially healthy?
Yes/no aside, the number is 55/100 (Fair) - BVA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,189 of 4,374; by total assets it ranks #2,651 of 4,374 nationally (same basis as /rankings/largest); and #139 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.32% net worth ratio and 3.01% delinquency rate are the key drivers.
How does BVA compare to other credit unions?
PlainCU's health composite puts BVA at 55/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 BVA?
BVA 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 BVA directly for the exact boundaries and application steps.
Is my money safe at BVA?
Federal credit unions like BVA 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. BVA's net worth ratio of 9.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BVA offer compared to banks?
Credit unions like BVA 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 BVA 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.