Federal credit union · Washington, District of Columbia · NCUA charter #262
EP
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $71.9M
- Total assets
- 4,156
- Members
- 8.5%
- Net-worth ratio
EP scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $71.9M; members 4,156; net-worth ratio 8.52%; health rank #3,783 of 4,374; healthier than 13th of scored peers.
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NCUA 5300 Call Report Masthead
#3,783 of 4,374 health · 2025Q4EP · health 67/100 · $71.9M · 2025Q4
Call Report peers
EP in the assets neighbourhood
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EP vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EP sits in 65-69 with 275 others.
67 13th percentile higher than 13% 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
Peer-gap read for EP
- Net Worth Ratio trails the peer set - 8.52% here, 13.62% peer average (-5.10 pp).
EP in District of Columbia
- In District of Columbia, health place is #20 of 29 on the same NCUA-ratio sort used nationally.
- Assets rank #13 of 29 inside District of Columbia ($71.9M reported).
- District of Columbia membership ordinal: #17 of 29.
- One place up in District of Columbia, District of Columbia Teachers (#19) scores 69/100, 2 points higher; one place down, Pmi Employees (#21) scores 66/100, 1 point lower.
EP Call Report trajectory
EP: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $71.9M (2025Q4) to $74.6M (2026Q1).
- Net-worth ratio shifted -0.01 pp (8.53% → 8.52%).
At 8.52%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 67/100 score is built
EP gives up 33 points in total. Member Growth costs the most, 14.9 of its 15; Loan-to-Share Ratio loses the least, 2.4.
- Net Worth Ratio 26.3 pts
- Delinquency Rate 17.3 pts
- Return on Assets 10.8 pts
- Member Growth 0.1 pts
- Loan-to-Share Ratio 12.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.52% | -5.10 pp |
| Delinquency Rate | 1.36% | +0.40 pp |
| Return on Assets | 0.22% | -0.44 pp |
| Member Growth | -4.94% | - |
| Loan-to-Share Ratio | 59.25% | -3.35 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - EP
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $74.6M | - |
| 2025Q4 | $71.9M | 4,156 |
| 2024Q4 | $70.7M | 4,372 |
| 2023Q4 | $73.7M | 4,518 |
Credit Union Details
- Charter Number
- 262
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- District of Columbia
- City
- Washington
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for EP, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main (Main Office) | Washington, DC |
| Ft Worth Office | Fort Worth, TX |
| Catholic University Office | Washington, DC |
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.
EP nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- EP ranks #3,783 of 4,374 nationally on financial health and #20 of 29 in DC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DC
Frequently Asked Questions
Is EP financially healthy?
EP has a financial health score of 67/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,783 of 4,374 nationally on health and #20 of 29 in District of Columbia. Its net worth ratio is 8.52% and its delinquency rate 1.36%.
How does EP compare to other credit unions?
EP scores 67/100, higher than 13% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (8.52% vs 13.62%).
How can I join EP?
EP 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 EP directly for the current list of qualifying groups.
Is my money safe at EP?
EP 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. EP's net worth ratio of 8.52% exceeds 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.