Federal credit union · Rockville, Maryland · NCUA charter #22652
Capital Area Taiwanese
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $13.1M
- Total assets
- 511
- Members
- 9.5%
- Net-worth ratio
Capital Area Taiwanese - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #22652. See our deposit-insurance coverage note.
Capital Area Taiwanese - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)96
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth53
- Liquidity (loan-to-share)100
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.54% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.54% | 30% |
| Delinquency Rate | 0.12% | 25% |
| Return on Assets | -0.49% | 15% |
| Member Growth | -0.58% | 15% |
| Loan-to-Share Ratio | 71.52% | 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 | $13.1M | 511 |
| 2024Q4 | $12.7M | 514 |
| 2023Q4 | $12.6M | 506 |
Credit Union Details
- Charter Number
- 22652
- Type
- Federal
- Field of Membership
- Association/Group
- Peer Group
- $10M–$50M
- State
- Maryland
- City
- Rockville
- Data Quarter
- 2025Q4
What This Data Says About Capital Area Taiwanese
511 members and $13.1M in total assets sit behind Capital Area Taiwanese, a federal credit union in Rockville, Maryland, which posts a health score of 77/100 (Very Good) on the five-factor composite, with $8.3M in outstanding loans as of Q4 2025 and a net worth ratio of 9.54% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #22652 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.12% 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 tighter than peers - and a 71.52% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.49% on net income of $-64195 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 -0.58%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Association/Group) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Maryland
A look at other Maryland credit unions, ranked by how closely their peer group and asset size match this one.
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 Capital Area Taiwanese financially healthy?
A 9.54% net worth ratio and a 0.12% delinquency rate feed into Capital Area Taiwanese's financial health score of 77/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Capital Area Taiwanese compare to other credit unions?
77/100 is Capital Area Taiwanese's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Taiwanese?
Capital Area Taiwanese serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Capital Area Taiwanese directly for the current list of qualifying groups.
Is my money safe at Capital Area Taiwanese?
Federal credit unions like Capital Area Taiwanese 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 Taiwanese's net worth ratio of 9.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Capital Area Taiwanese offer compared to banks?
Credit unions like Capital Area Taiwanese 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 Taiwanese 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.