Federal credit union · Washington, District of Columbia · NCUA charter #16410
Department of Commerce
Health score 51/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 51
- Health / 100
- $764.6M
- Total assets
- 29,127
- Members
- 5.7%
- Net-worth ratio
Department of Commerce scores 51/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $764.6M; members 29,127; net-worth ratio 5.67%; health rank #4,261 of 4,374; healthier than 3rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,261 of 4,374 health · 2025Q4Department of Commerce · health 51/100 · $764.6M · 2025Q4
- DELQ 51/100
- ROA 5.7%
- ASSETS 1.52%
- MEM 0.14%
- RANK $764.6M
- PHOTO 29,127
- BOOK #4,261/4,374
- CHARTER Team One
- NCUSIF 16410
Call Report peers
Department of Commerce in the assets neighbourhood
Department of Commerce's $764.6M assets sit next to Team One ($765.3M) 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.
Department of Commerce 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
51 3rd percentile higher than 3% 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
Department of Commerce - Share Insurance Coverage
Charter #16410's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Department of Commerce
- Largest favorable gap: Loan-to-Share Ratio at 97.65% vs peer 83.90% (+13.75 pp).
- Largest lag: Net Worth Ratio at 5.67% vs peer 11.18% (-5.51 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
District of Columbia standing for Department of Commerce
- In District of Columbia, health place is #27 of 29 on the same NCUA-ratio sort used nationally.
- By total assets, Department of Commerce is #4 of 29 in District of Columbia.
- Membership ranks #3 of 29 among District of Columbia CUs with a reported count (29,127 members).
In-state ordinals use the live credit_unions table for DC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Department of Commerce: 2025Q4 → 2026Q1
Department of Commerce: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $764.6M (2025Q4) to $762.4M (2026Q1).
- Net-worth ratio shifted -1.14 pp (6.81% → 5.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 5.67%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 51/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 51.
- Net Worth Ratio 14.2 pts
- Delinquency Rate 16.1 pts
- Return on Assets 9.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.1 pts
Department of Commerce vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 5.67% | -5.51 pp |
| Delinquency Rate | 1.52% | +0.64 pp |
| Return on Assets | 0.14% | -0.37 pp |
| Member Growth | -5.48% | - |
| Loan-to-Share Ratio | 97.65% | +13.75 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Department of Commerce quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $762.4M | - |
| 2025Q4 | $764.6M | 29,127 |
| 2024Q4 | $854.4M | 30,815 |
| 2023Q4 | $845.6M | 29,909 |
Credit Union Details
- Charter Number
- 16410
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- District of Columbia
- City
- Washington
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Department of Commerce, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Washington, DC |
| Silver Spring Office | silver spring, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Department of Commerce nationwide neighbourhoods
Two NCUA Call Report peer sets for Department of Commerce, both outside District of Columbia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($764.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (51/100 here).
Using this data
- Department of Commerce ranks #4,261 of 4,374 nationally on financial health and #27 of 29 in DC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Idb Global is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Idb Global
- Rates and health both vary by institution, not just by state -- see how District of Columbia credit unions compare overall before assuming this one is typical. District of Columbia 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 Department of Commerce financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Department of Commerce carries a financial health score of 51/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,261 of 4,374; by total assets it ranks #573 of 4,374 nationally (same basis as /rankings/largest); and #4 of 29 within District of Columbia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 5.67% net worth ratio and a 1.52% delinquency rate.
How does Department of Commerce compare to other credit unions?
PlainCU's health composite puts Department of Commerce at 51/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Department of Commerce?
Department of Commerce 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 Department of Commerce directly for the current list of qualifying groups.
Is my money safe at Department of Commerce?
Federal credit unions like Department of Commerce 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. Department of Commerce's net worth ratio of 5.67% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Department of Commerce offer compared to banks?
Credit unions like Department of Commerce 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 Department of Commerce 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.