Federal credit union · WASHINGTON, District of Columbia · NCUA charter #6088
D C Fire Department
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $6.5M
- Total assets
- 1,720
- Members
- 24.8%
- Net-worth ratio
D C Fire Department - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #6088 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
D C Fire Department - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth71
- Liquidity (loan-to-share)88
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 24.84%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 24.84% | 30% |
| Delinquency Rate | 7.79% | 25% |
| Return on Assets | 0.66% | 15% |
| Member Growth | 1.36% | 15% |
| Loan-to-Share Ratio | 62.01% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.5M | 1,720 |
| 2024Q4 | $7.1M | 1,697 |
| 2023Q4 | $7.1M | 1,650 |
Credit Union Details
- Charter Number
- 6088
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- District of Columbia
- City
- WASHINGTON
- Data Quarter
- 2025Q4
What This Data Says About D C Fire Department
Charter #6088, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's D C Fire Department, a federal credit union in WASHINGTON, District of Columbia with 1,720 members, $6.5M in total assets, and $3.0M in outstanding loans as of Q4 2025. The five-factor composite scores it 69/100 (Good), helped by a net worth ratio of 24.84% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
7.79% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Deposit deployment is captured by the 62.01% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.66% on net income of $43K 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 1.36%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Low Income) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in District of Columbia
More federally-insured credit unions based in District of Columbia, ordered by peer group match 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 D C Fire Department financially healthy?
Yes/no aside, the number is 69/100 (Good) - D C Fire Department's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 24.84% net worth ratio and 7.79% delinquency rate are the key drivers.
How does D C Fire Department compare to other credit unions?
On PlainCU's health composite, D C Fire Department lands at 69/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 D C Fire Department?
D C Fire Department carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact D C Fire Department directly to confirm current membership steps.
Is my money safe at D C Fire Department?
Federal credit unions like D C Fire Department 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. D C Fire Department's net worth ratio of 24.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does D C Fire Department offer compared to banks?
Credit unions like D C Fire Department 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 D C Fire Department 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.