Federal credit union · Washington, District of Columbia · NCUA charter #16410
Department of Commerce
Health score 46/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 46
- Health / 100
- $764.6M
- Total assets
- 29,127
- Members
- 3.7%
- Net-worth ratio
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.
Department of Commerce - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)30
- Asset quality (delinquency)65
- Earnings (ROA)64
- Member growth0
- Liquidity (loan-to-share)77
Weighted composite: 46/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 3.66%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 3.66% | 30% |
| Delinquency Rate | 1.52% | 25% |
| Return on Assets | 0.14% | 15% |
| Member Growth | -5.48% | 15% |
| Loan-to-Share Ratio | 97.65% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Department of Commerce
Department of Commerce is a federal credit union headquartered in Washington, District of Columbia, serving 29,127 members with $764.6M in total assets and $681.2M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 46/100 (Below Average), anchored by a net worth ratio of 3.66% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #16410 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 1.52% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 97.65% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.14% on net income of $1.1M 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 -5.48%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 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 46/100 (Below Average). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 3.66% 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 46/100, 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 3.66% 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.
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.