Federal credit union · Washington, District of Columbia · NCUA charter #7992
Afl Cio Employees
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $48.9M
- Total assets
- 5,431
- Members
- 12.3%
- Net-worth ratio
Afl Cio Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #7992, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Afl Cio Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)32
- Earnings (ROA)82
- Member growth95
- Liquidity (loan-to-share)99
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.27%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.27% | 30% |
| Delinquency Rate | 2.70% | 25% |
| Return on Assets | 0.32% | 15% |
| Member Growth | 4.42% | 15% |
| Loan-to-Share Ratio | 90.30% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $48.9M | 5,431 |
| 2024Q4 | $50.2M | 5,201 |
| 2023Q4 | $54.1M | 5,190 |
Credit Union Details
- Charter Number
- 7992
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- District of Columbia
- City
- Washington
- Data Quarter
- 2025Q4
What This Data Says About Afl Cio Employees
5,431 members and $48.9M in total assets sit behind Afl Cio Employees, a federal credit union in Washington, District of Columbia, which posts a health score of 80/100 (Excellent) on the five-factor composite, with $38.9M in outstanding loans as of Q4 2025 and a net worth ratio of 12.27% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #7992 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 2.70% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 90.30% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.32% on net income of $157K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.42%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other/Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in District of Columbia
Other federally-insured credit unions in District of Columbia, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Afl Cio Employees financially healthy?
Afl Cio Employees scores 80/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.27% net worth ratio and a 2.70% delinquency rate.
How does Afl Cio Employees compare to other credit unions?
Afl Cio Employees scores 80/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Afl Cio Employees?
Afl Cio Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Afl Cio Employees directly for the exact boundaries and application steps.
Is my money safe at Afl Cio Employees?
Federal credit unions like Afl Cio Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Afl Cio Employees's net worth ratio of 12.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Afl Cio Employees offer compared to banks?
Credit unions like Afl Cio Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Afl Cio Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.