Federal credit union · Rockville, Maryland · NCUA charter #20543
Capital Area Realtors
Health score 56/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $21.7M
- Total assets
- 1,028
- Members
- 13.9%
- Net-worth ratio
Capital Area Realtors scores 56/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.7M; members 1,028; net-worth ratio 13.93%; health rank #4,161 of 4,374; healthier than 5th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,161 of 4,374 health · 2025Q4Capital Area Realtors · health 56/100 · $21.7M · 2025Q4
- CAMELS 56/100
- HEALTH 13.9%
- NW 3.95%
- DELQ -0.16%
- ROA $21.7M
- ASSETS 1,028
- MEM #4,161/4,374
- RANK NORTHSIDE
- PHOTO 20543
Call Report peers
Capital Area Realtors in the assets neighbourhood
Capital Area Realtors's $21.7M assets sit next to NORTHSIDE ($21.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Capital Area Realtors vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
56 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Capital Area Realtors - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #20543 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Capital Area Realtors
- Largest favorable gap: Loan-to-Share Ratio at 65.29% vs peer 59.80% (+5.49 pp).
- Largest lag: Delinquency Rate at 3.95% vs peer 1.15% (+2.80 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Capital Area Realtors sits in Maryland
- Maryland health ordinal: #59 of 62.
- Maryland assets place: #51 of 62.
- Membership ranks #54 of 62 among Maryland CUs with a reported count (1,028 members).
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Capital Area Realtors: 2025Q4 → 2026Q1
Capital Area Realtors: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -26.0% from $21.7M (2025Q4) to $16.1M (2026Q1).
- Net-worth ratio shifted +3.66 pp (10.27% → 13.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 56/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 56.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.3 pts
- Return on Assets 3.1 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 13.6 pts
Capital Area Realtors health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.93% | -0.93 pp |
| Delinquency Rate | 3.95% | +2.80 pp |
| Return on Assets | -0.16% | -0.86 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 65.29% | +5.49 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Capital Area Realtors
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.1M | - |
| 2025Q4 | $21.7M | 1,028 |
| 2024Q4 | $24.5M | 1,028 |
| 2023Q4 | $20.8M | 1,763 |
Credit Union Details
- Charter Number
- 20543
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Maryland
- City
- Rockville
- Data Quarter
- 2025Q4
Branch Location
Capital Area Realtors operates a single office in Rockville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Rockville, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Capital Area Realtors's nationwide photo peers by assets and by health score, excluding Maryland charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($21.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (56/100 here).
Using this data
- Capital Area Realtors ranks #4,161 of 4,374 nationally on financial health and #59 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Thiokol Elkton is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Thiokol Elkton
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Capital Area Realtors financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Capital Area Realtors carries a financial health score of 56/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,161 of 4,374; by total assets it ranks #3,094 of 4,374 nationally (same basis as /rankings/largest); and #51 of 62 within Maryland. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.93% net worth ratio and a 3.95% delinquency rate.
How does Capital Area Realtors compare to other credit unions?
Five weighted metrics from NCUA filings produce Capital Area Realtors's 56/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Capital Area Realtors?
Capital Area Realtors 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 Capital Area Realtors directly for the exact boundaries and application steps.
Is my money safe at Capital Area Realtors?
Federal credit unions like Capital Area Realtors 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. Capital Area Realtors's net worth ratio of 13.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Capital Area Realtors offer compared to banks?
Credit unions like Capital Area Realtors 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 Capital Area Realtors directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.