Financial Soundness

Federal credit unions are regulated and insured by the National Credit Union Administration (NCUA) — a federal agency. Our deposits (shares) are insured by NCUA and are backed by the full faith and credit of the U. S. government.

The regulations that we operate under require that to be considered well capitalized (safe), we must have capital (reserves) equal to 7% of our assets. At this time, Benchmark is well above the NCUA requirements. Our investments are restricted by law to instruments insured or issued by the federal government, or its agencies.

While we do make and hold first and second mortgages, we did not engage in subprime lending. Our delinquencies and write offs are in line with our historical averages and have been anticipated and budgeted. Contrary to what you may hear or read, Benchmark, as well as, most credit unions and many other financial institutions, is in sound condition.


Monthly Financials -



If you have any questions, please contact our Main Office at (610) 429-1600 / 1-800-999-9276.