Hidden River Credit Union Pottsville, Pennsylvania
Hidden River Credit Union is a state-chartered credit union headquartered in Pottsville, PA, established in 1953 (NCUA charter 64932), and it is regulated and insured by the NCUA. At Q2 2026 it reported 20,064 members and total assets of $258.8M (up 8.4% from Q2 2025), the 40th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 9.25% at Q2 2026, in the well capitalized band.
Also written as Hidden River CU
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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
- 64932
- Headquarters
- Pottsville, PA
- Established
- 1953
- Total assets, Q2 2026
- $258.8M
- Assets vs Q2 2025
- +8.4%
- Members, Q2 2026
- 20,064
- Net worth ratio, Q2 2026
- 9.25%
- Latest call report
- Q2 2026, NCUA 5300 · Hidden River Credit Union call report
- Asset rank in state
- 40th of 269 in Pennsylvania
- Routing number
- 231385280
- Branches
- 4
It has 594 more members than on June 30, 2025 (+3.1%). Its net worth ratio was up 0.36 percentage points from 8.89% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $48.4M of $109.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.31% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.25% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Pennsylvania
Credit unions merged into Hidden River Credit Union
Frequently asked about Hidden River Credit Union
How big is Hidden River Credit Union?
At Q2 2026 it reported total assets of $258.8M and 20,064 members.
Where is Hidden River Credit Union headquartered?
It is headquartered in Pottsville, PA, United States.
When was Hidden River Credit Union founded?
It was established in 1953, per NCUA records.
Is Hidden River Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64932): 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 Hidden River 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 Hidden River Credit Union well capitalized?
Its net worth ratio was 9.25% 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 Hidden River Credit Union's delinquency ratio?
Its delinquency ratio was 0.31% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Hidden River Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 46.83% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Pottsville, PA 17901
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 64932
- RSSD ID
- 41393
- Members
- 20,064
- Potential members
- 120,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.25% | 11.43% | 17th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.00% | 0.81% | 61st above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 10.77% | 7.02% | 80th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.02% | 3.70% | 14th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 66.98% | 76.55% | 78th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.25% | 1.24% | 49th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.31% | 0.68% | 81st top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.27% | 4.92% | 14th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 46.83% | 75.66% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$258.8M total assets against $238.7M; $234.7M total shares and deposits against $218.1M; $109.9M total loans against $101.5M.
$23.9M net worth against $21.2M.
9.25% net worth ratio against 8.89%.
46.83% loan-to-share ratio against 46.55%.
0.31% delinquency ratio against 0.45%.
1.00% return on assets against 0.96%; 10.77% return on equity against 10.76%.
3.02% net interest margin against 2.78%.
20,064 members against 19,470.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.25% | 1.00% | 0.31% | 46.83% |
| March 31, 2026 | 9.17% | 1.30% | 0.36% | 46.94% |
| December 31, 2025 | 9.16% | 0.73% | 0.27% | 47.57% |
| September 30, 2025 | 9.15% | 1.33% | 0.40% | 47.32% |
| June 30, 2025 | 8.89% | 0.96% | 0.45% | 46.55% |
| March 31, 2025 | 8.67% | 0.93% | 0.51% | 46.47% |
Scroll sideways to see every column.
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.