State credit union · Pottsville, Pennsylvania · NCUA charter #64932
Hidden River
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $245.3M
- Total assets
- 19,793
- Members
- 9.2%
- Net-worth ratio
Hidden River scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $245.3M; members 19,793; net-worth ratio 9.17%; health rank #1,161 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,161 of 4,374 health · 2025Q4Hidden River · health 90/100 · $245.3M · 2025Q4
Call Report peers
Hidden River in the assets neighbourhood
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Hidden River vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Hidden River sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Hidden River
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.62 pp (0.27% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -24.63 pp (47.57% vs 72.20%).
Where Hidden River sits in Pennsylvania
- In Pennsylvania, health place is #54 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #42 of 275.
- Membership ranks #32 of 275 among Pennsylvania CUs with a reported count (19,793 members).
- One place up in Pennsylvania, LEBANON (#53) ties at 90/100; one place down, EVERENCE (#55) ties at 90/100.
How Hidden River's 5300 filing moved
Hidden River: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $245.3M (2025Q4) to $254.1M (2026Q1).
- Net-worth ratio shifted +0.01 pp (9.16% → 9.17%).
9.17% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Hidden River gives up 10 points in total. Loan-to-Share Ratio costs the most, 4.7 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 27.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 10.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.17% | -2.94 pp |
| Delinquency Rate | 0.27% | -0.62 pp |
| Return on Assets | 0.89% | +0.27 pp |
| Member Growth | 2.51% | - |
| Loan-to-Share Ratio | 47.57% | -24.63 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Hidden River quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $254.1M | - |
| 2025Q4 | $245.3M | 19,793 |
| 2024Q4 | $227.6M | 19,308 |
| 2023Q4 | $216.1M | 19,732 |
Credit Union Details
- Charter Number
- 64932
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Pottsville
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Hidden River runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| Hidden River Credit Union (Main Office) | Pottsville, PA |
| Orwigsburg Branch | Orwigsburg, PA |
| PINE GROVE BRANCH | Pine Grove, PA |
| Hometown Branch | TAMAQUA, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Other-state peers near Hidden River
Using this data
- Hidden River ranks #1,161 of 4,374 nationally on financial health and #54 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CACL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CACL
Frequently Asked Questions
Is Hidden River financially healthy?
Hidden River has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,161 of 4,374 nationally on health and #54 of 275 in Pennsylvania. Its net worth ratio is 9.17% and its delinquency rate 0.27%.
How does Hidden River compare to other credit unions?
Hidden River scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.27% vs 0.89%). Its widest shortfall is loan-to-share ratio (47.57% vs 72.20%).
How can I join Hidden River?
Membership eligibility for Hidden River depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Hidden River directly for current membership requirements and application steps.
Is my money safe at Hidden River?
Hidden River is a state-chartered 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. Hidden River's net worth ratio of 9.17% 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.