3HILL Credit Union Blue Bell, Pennsylvania
3HILL Credit Union is a state-chartered credit union headquartered in Blue Bell, PA, established in 1968 (NCUA charter 68297), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,217 members and total assets of $50.0M (down 1.5% from Q2 2025), the 124th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 12.03% at Q2 2026, in the well capitalized band.
Also written as 3HILL CU · Trade names filed with the NCUA: 3Hill and NBCU
BankRegReports is independent of 3HILL Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68297
- Headquarters
- Blue Bell, PA
- Established
- 1968
- Total assets, Q2 2026
- $50.0M
- Assets vs Q2 2025
- -1.5%
- Members, Q2 2026
- 3,217
- Net worth ratio, Q2 2026
- 12.03%
- Latest call report
- Q2 2026, NCUA 5300 · 3HILL Credit Union call report
- Asset rank in state
- 124th of 269 in Pennsylvania
- Routing number
- 231382607
- Branches
- 1
It has 191 fewer members than on June 30, 2025 (-5.6%). Its net worth ratio was up 0.30 percentage points from 11.73% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $19.0M of $26.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.12% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 12.03% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Pennsylvania
Frequently asked about 3HILL Credit Union
How big is 3HILL Credit Union?
At Q2 2026 it reported total assets of $50.0M and 3,217 members.
Where is 3HILL Credit Union headquartered?
It is headquartered in Blue Bell, PA, United States.
When was 3HILL Credit Union founded?
It was established in 1968, per NCUA records.
Is 3HILL Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68297): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates 3HILL Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is 3HILL Credit Union well capitalized?
Its net worth ratio was 12.03% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is 3HILL Credit Union's delinquency ratio?
Its delinquency ratio was 2.12% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is 3HILL Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 56.72% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Blue Bell, PA 19422
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1968
- NCUA Charter #
- 68297
- RSSD ID
- 324078
- Members
- 3,217
- Potential members
- 877,643
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.03% | 14.31% | 32nd below |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.06% | 0.72% | 21st bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -0.50% | 4.74% | 21st bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.60% | 3.93% | 37th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 98.48% | 79.83% | 17th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.59% | 0.78% | 62nd above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.12% | 0.86% | 24th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.19% | 4.70% | 25th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 56.72% | 58.92% | 47th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$50.0M total assets against $50.8M; $46.3M total shares and deposits against $47.5M; $26.2M total loans against $23.3M.
$6.0M net worth against $6.0M.
12.03% net worth ratio against 11.73%.
56.72% loan-to-share ratio against 48.95%.
2.12% delinquency ratio against 1.57%.
-0.06% return on assets against -1.09%; -0.50% return on equity against -9.28%.
3.60% net interest margin against 3.00%.
3,217 members against 3,408.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.03% | -0.06% | 2.12% | 56.72% |
| March 31, 2026 | 11.95% | 1.33% | 1.56% | 55.67% |
| December 31, 2025 | 11.65% | -0.70% | 1.54% | 57.78% |
| September 30, 2025 | 12.04% | 0.03% | 1.45% | 52.16% |
| June 30, 2025 | 11.73% | -1.09% | 1.57% | 48.95% |
| March 31, 2025 | 11.83% | -0.95% | 0.17% | 46.20% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.