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.
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NCUA 5300 Call Report Masthead
#3,394 of 4,374 health · 2025Q4The Bridgeway · health 73/100 · $63.2M · 2025Q4
Call Report peers
The Bridgeway in the assets neighbourhood
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The Bridgeway vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The Bridgeway sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Alabama, Northeast Alabama Postal (#69) scores 74/100, 1 point higher; one place down, Chem Family (#71) scores 72/100, 1 point lower.
The Bridgeway Call Report trajectory
The Bridgeway: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $63.2M (2025Q4) to $64.0M (2026Q1).
- Net-worth ratio shifted -0.18 pp (15.94% → 15.76%).
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
The Bridgeway gives up 27 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is The Bridgeway financially healthy?
The Bridgeway has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,394 of 4,374 nationally on health and #70 of 89 in Alabama. Its net worth ratio is 15.76% and its delinquency rate 1.03%.
How does The Bridgeway compare to other credit unions?
The Bridgeway scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (83.48% vs 62.60%). Its widest shortfall is return on assets (-1.42% vs 0.66%).
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?
The Bridgeway 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. The Bridgeway's net worth ratio of 15.76% 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.