Federal credit union · WASHINGTON, District of Columbia · NCUA charter #4963
Dept of Labor
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $145.4M
- Total assets
- 8,652
- Members
- 7.1%
- Net-worth ratio
Dept of Labor - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #4963, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Dept of Labor - 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)76
- Asset quality (delinquency)94
- Earnings (ROA)25
- Member growth84
- Liquidity (loan-to-share)100
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.09%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.09% | 30% |
| Delinquency Rate | 0.65% | 25% |
| Return on Assets | -0.08% | 15% |
| Member Growth | 3.01% | 15% |
| Loan-to-Share Ratio | 86.90% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $145.4M | 8,652 |
| 2024Q4 | $136.3M | 8,399 |
| 2023Q4 | $130.2M | 8,193 |
Credit Union Details
- Charter Number
- 4963
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- District of Columbia
- City
- WASHINGTON
- Data Quarter
- 2025Q4
What This Data Says About Dept of Labor
Headquartered in WASHINGTON, District of Columbia, Dept of Labor is a federal credit union with 8,652 members, $145.4M in total assets, and $103.2M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 78/100 (Very Good), driven in part by a net worth ratio of 7.09% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #4963 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.65% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 86.90% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.08% on net income of $-117151 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 3.01%. 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 Dept of Labor financially healthy?
A 7.09% net worth ratio and a 0.65% delinquency rate feed into Dept of Labor's financial health score of 78/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Dept of Labor compare to other credit unions?
78/100 is Dept of Labor's score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Dept of Labor?
Dept of Labor 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 Dept of Labor directly for the current list of qualifying groups.
Is my money safe at Dept of Labor?
Federal credit unions like Dept of Labor 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. Dept of Labor's net worth ratio of 7.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dept of Labor offer compared to banks?
Credit unions like Dept of Labor 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 Dept of Labor 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.