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
Call Report peers
Capital Area Realtors in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Capital Area Realtors sits in 55-59 with 115 others.
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
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).
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).
- One place up in Maryland, Market USA (#58) scores 57/100, 1 point higher; one place down, Transit Employees (#60) scores 55/100, 1 point lower.
Capital Area Realtors: 2025Q4 → 2026Q1
Capital Area Realtors: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -26.0% from $21.7M (2025Q4) to $16.1M (2026Q1).
- Net-worth ratio shifted +3.66 pp (10.27% → 13.93%).
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
Capital Area Realtors gives up 44 points in total. Delinquency Rate costs the most, 24.7 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Capital Area Realtors financially healthy?
On its 2025Q4 NCUA 5300 filing, Capital Area Realtors scores 56/100 (Fair), with a 13.93% net worth ratio and 3.95% of loans delinquent. It ranks #4,161 of 4,374 nationally on health and #59 of 62 in Maryland.
How does Capital Area Realtors compare to other credit unions?
Capital Area Realtors scores 56/100, higher than 5% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (65.29% vs 59.80%). Its widest shortfall is delinquency rate (3.95% vs 1.15%).
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?
Capital Area Realtors is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.