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
Call Report peers
Department of Commerce in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Department of Commerce sits in 50-54 with 82 others.
51 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in District of Columbia, John Wesley Ame Zion Church (#26) ties at 51/100; one place down, O.a.S. Staff (#28) scores 47/100, 4 points lower.
Department of Commerce: 2025Q4 → 2026Q1
Department of Commerce: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $764.6M (2025Q4) to $762.4M (2026Q1).
- Net-worth ratio shifted -1.14 pp (6.81% → 5.67%).
At 5.67%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 51/100 score is built
Department of Commerce gives up 49 points in total. Net Worth Ratio costs the most, 15.8 of its 30; Loan-to-Share Ratio loses the least, 3.4.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Department of Commerce financially healthy?
Department of Commerce has a financial health score of 51/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,261 of 4,374 nationally on health and #27 of 29 in District of Columbia. Its net worth ratio is 5.67% and its delinquency rate 1.52%.
How does Department of Commerce compare to other credit unions?
Department of Commerce scores 51/100, higher than 3% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (97.65% vs 83.90%). Its widest shortfall is net worth ratio (5.67% vs 11.18%).
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?
Department of Commerce 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. Department of Commerce's net worth ratio of 5.67% is relative to 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.