Federal credit union · Phenix City, Alabama · NCUA charter #13852
The Bridgeway
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $63.2M
- Total assets
- 7,125
- Members
- 15.8%
- Net-worth ratio
The Bridgeway scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $63.2M; members 7,125; net-worth ratio 15.76%; health rank #3,394 of 4,374; healthier than 21st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,394 of 4,374 health · 2025Q4The Bridgeway · health 73/100 · $63.2M · 2025Q4
- BOOK 73/100
- CHARTER 15.8%
- NCUSIF 1.03%
- CAMELS -1.42%
- HEALTH $63.2M
- NW 7,125
- DELQ #3,394/4,374
- ROA DOCHES
- ASSETS 13852
Call Report peers
The Bridgeway in the assets neighbourhood
The Bridgeway's $63.2M assets sit next to DOCHES ($63.1M) 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.
The Bridgeway 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
73 21st percentile higher than 21% 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
The Bridgeway - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #13852, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where The Bridgeway diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 83.48% vs peer 62.60% (+20.88 pp).
- Widest shortfall vs peers is Return on Assets: -2.07 pp (-1.42% vs 0.66%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
The Bridgeway in Alabama
- Health composite ranks #70 of 89 among scored Alabama credit unions.
- Assets rank #41 of 89 inside Alabama ($63.2M reported).
- Member book place in Alabama: #37 of 89.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
The Bridgeway Call Report trajectory
The Bridgeway: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $63.2M (2025Q4) to $64.0M (2026Q1).
- Net-worth ratio shifted -0.18 pp (15.94% → 15.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.8 pts
- Return on Assets 0.0 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.76% | +2.14 pp |
| Delinquency Rate | 1.03% | +0.06 pp |
| Return on Assets | -1.42% | -2.07 pp |
| Member Growth | -0.68% | - |
| Loan-to-Share Ratio | 83.48% | +20.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
The Bridgeway quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $64.0M | - |
| 2025Q4 | $63.2M | 7,125 |
| 2024Q4 | $63.8M | 7,174 |
| 2023Q4 | $68.2M | 8,162 |
Credit Union Details
- Charter Number
- 13852
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- Alabama
- City
- Phenix City
- Data Quarter
- 2025Q4
Branch Locations (3)
The Bridgeway operates 3 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Bridgeway (Main Office) | Phenix City, AL |
| Westover | Albany, GA |
| Columbus | Columbus, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
The Bridgeway nationwide neighbourhoods
The Bridgeway's nationwide photo peers by assets and by health score, excluding Alabama charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($63.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- The Bridgeway ranks #3,394 of 4,374 nationally on financial health and #70 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rocket City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rocket City
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama 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 The Bridgeway financially healthy?
A 15.76% net worth ratio and a 1.03% delinquency rate feed into The Bridgeway's financial health score of 73/100 (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 #3,394 of 4,374; by total assets it ranks #2,219 of 4,374 nationally (same basis as /rankings/largest); and #41 of 89 within Alabama. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does The Bridgeway compare to other credit unions?
On PlainCU's health composite, The Bridgeway lands at 73/100, compared to a peer group average for $50M–$100M 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 The Bridgeway?
The Bridgeway 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 The Bridgeway directly for the exact boundaries and application steps.
Is my money safe at The Bridgeway?
Federal credit unions like The Bridgeway 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. The Bridgeway's net worth ratio of 15.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Bridgeway offer compared to banks?
Credit unions like The Bridgeway 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 The Bridgeway 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.