BRADFORD AREA Credit Union Profile

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BRADFORD AREA

Charter #13823 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (814) 362-6779

Fax: (814) 362-1438

Founding Date: N/A

Website: http://www.bradfordareafcu.org

Personnel & Operations

President: Rice, James

Manager: Wilcox, Susanne

FT Employees: 3

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 49

Branches: 1

Hours: M-F 8:30 AM - 4:30 PM

Credit Union Profile Summary

BRADFORD AREA is a FCU Credit Union. With a total of 1,392 members [1], this institution manages approximately $11,784,641 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 13.12% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 5.37% [1].

Financial Snapshot

Total Assets [1]
$11,784,641

Total economic resources.

Total Loans [1]
$6,434,151

Total value of outstanding loans.

Total Deposits [1]
$10,230,207

Total funds deposited by members.

Members [1]
1,392

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.12%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.05%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
62.89%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
14.64%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
5.37%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-15.48%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

52 DAVIS ST, STE 1

BRADFORD, PA, 16701-2016

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by BRADFORD AREA (Charter #13823).

Main Office

Bradford Area Federal Credit Union Main Office

Type: Corporate Office

52 Davis St

Ste 1

Bradford, PA 16701-2016

Phone: (814) 362-6779

Services: Member Services

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