TellerScore

Headquartered in Ridley Park, Pennsylvania, Bhcu Credit Union is a federally insured state-chartered credit union with $276.2M in total assets and $241.7M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1952.

Bhcu Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 178th. Problem-loan coverage contributes the most (91/100, 4.3%); earnings contributes the least (47/100, 0.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.88%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.67%
Earnings47/100
Return on assets (annualized): 0.66%
Funding & liquidity74/100
Loans ÷ shares: 86.4% · 13.1% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.29%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 70).

TellerScore
677073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202473
Q4 202473
Q1 202567
Q2 202571
Q3 202569
Q4 202567
Q1 202667
Q2 202670
Net worth ratio
7.00%9.86%12.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.39%
Q3 202412.72%
Q4 202412.29%
Q1 202511.87%
Q2 202511.99%
Q3 202512.15%
Q4 202511.90%
Q1 202611.83%
Q2 202611.88%
Delinquent loans (60+ days)
0.28%0.59%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.68%
Q3 20240.43%
Q4 20240.28%
Q1 20250.59%
Q2 20250.49%
Q3 20250.77%
Q4 20250.89%
Q1 20260.90%
Q2 20260.67%
Return on assets
0.16%0.41%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.32%
Q3 20240.47%
Q4 20240.41%
Q1 20250.16%
Q2 20250.47%
Q3 20250.50%
Q4 20250.52%
Q1 20260.61%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$276.2M11.88%0.67%0.66%86.4%
Q1 202667$273.0M11.83%0.90%0.61%82.3%
Q4 202567$268.0M11.90%0.89%0.52%82.0%
Q3 202569$261.8M12.15%0.77%0.50%80.4%
Q2 202571$262.3M11.99%0.49%0.47%81.6%
Q1 202567$260.6M11.87%0.59%0.16%80.5%
Q4 202473$250.7M12.29%0.28%0.41%81.9%
Q3 202473$242.6M12.72%0.43%0.47%84.4%
Q2 202470$245.3M12.39%0.68%0.32%78.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.88%
56th
Problem loans0.67%
51st
Net charge-offs0.14%
79th
Return on assets0.66%
43rd
Loans to deposits86.4%
25th
Uninsured deposits13.1%
7th
Loan-loss reserves0.00%
50th
Texas ratio4.3%
47th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Top Tier Federal Credit UnionCredit union Clarion, PA71 out of 100, Strong$277.5M10.0%0.60%vs
Penn State Federal Credit UnionCredit union Bellefonte, PA93 out of 100, Very strong$274.4M14.0%0.33%vs
Penn East Federal Credit UnionCredit union Scranton, PA74 out of 100, Strong$280.4M10.6%0.20%vs
Allegent Community Federal Credit UnionCredit union Pittsburgh, PA68 out of 100, Moderate$281.2M17.3%1.46%vs
Century Heritage Federal Credit UnionCredit union Pittsburgh, PA72 out of 100, Strong$289.5M11.5%0.75%vs
Hidden River Credit UnionCredit union Pottsville, PA73 out of 100, Strong$258.8M9.3%0.31%vs

Deposit insurance

Is my money safe at Bhcu Credit Union?

Yes. Bhcu Credit Union is a federally insured credit union (NCUA charter #61387). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 13.1% of shares and deposits ($31.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.88%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Bhcu Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bhcu Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61387
RSSD ID
999092
Primary regulator
State + NCUA
Established
1952
Headquarters
501 Industrial Hwy, Ridley Park, PA 19078
Employees
34

Quick answers

Bhcu Credit Union: common questions

Is Bhcu Credit Union NCUA insured?

Yes. Bhcu Credit Union is a federally insured credit union (NCUA charter #61387). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Bhcu Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Bhcu Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Ridley Park

InstitutionScoreAssetsCapitalProblem loansCompare
B. Braun Federal Credit UnionCredit union Allentown, PA100 out of 100, Very strong$1.9M25.1%0.00%vs
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Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH95 out of 100, Very strong$45.5M17.8%0.34%vs
Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE94 out of 100, Very strong$57.2M97.8%0.00%vs