Credit Union Safety Analysis
Is Bucks County Employees CU Safe? Doylestown, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Bucks County Employees CU has a net worth ratio of 12.22%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.91%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Bucks County Employees CU's net worth ratio is 12.22%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.22%
- Delinquency ratio (60+ days) (Q2 2026): 0.91%
- Return on assets (Q2 2026): 0.40%
- Loan-to-share ratio (Q2 2026): 5.71%
Bucks County Employees CU (NCUA charter 65411, established 1966) reported $39.2M in assets and 1,568 members for Q2 2026 from Doylestown, Pennsylvania. It ranks 139 of 269 credit unions in Pennsylvania by total assets. Total assets grew 2.4% from $38.3M on June 30, 2025. It has 49 fewer members than on June 30, 2025 (-3.0%). Its net worth ratio was down 0.04 percentage points from 12.26% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $1.9M of $1.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.91% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 12.23% for Q1 2026; 12.26% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.60% for Q1 2026; 0.74% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.26% for Q1 2026; 0.27% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 5.75% for Q1 2026; 6.33% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $1.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $39.2M | 12.22% | 0.91% | 0.40% | 5.71% |
| March 31, 2026 | $38.8M | 12.23% | 0.60% | 0.26% | 5.75% |
| December 31, 2025 | $38.2M | 12.36% | 0.63% | 0.23% | 6.20% |
| September 30, 2025 | $38.3M | 12.27% | 0.69% | 0.07% | 6.18% |
| June 30, 2025 | $38.3M | 12.26% | 0.74% | 0.27% | 6.33% |
| March 31, 2025 | $38.6M | 12.10% | 1.05% | 0.22% | 6.59% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Bucks County Employees CU profile
Regulator records: NCUA credit union profile (charter 65411) · FFIEC NIC profile (RSSD 222192)
Frequently asked questions
Is Bucks County Employees CU well capitalized?
On its Q2 2026 NCUA 5300 call report, Bucks County Employees CU's net worth ratio is 12.22%, above the 7% NCUA threshold for well capitalized.
Is Bucks County Employees CU FDIC insured?
No. The FDIC insures banks, not credit unions. Bucks County Employees CU is a federally insured credit union (NCUA charter 65411): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Bucks County Employees CU's key safety ratios?
For Q2 2026, Bucks County Employees CU reports net worth 12.22%, delinquency 0.91%, ROA 0.40%, loan-to-share 5.71%.
What happens to my money if Bucks County Employees CU fails?
For Q2 2026, Bucks County Employees CU held $34.1M in shares and deposits for 1,568 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.