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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,783 of 4,374 health · 2025Q4EP · health 67/100 · $71.9M · 2025Q4
- CAMELS 67/100
- HEALTH 8.5%
- NW 1.36%
- DELQ 0.22%
- ROA $71.9M
- ASSETS 4,156
- MEM #3,783/4,374
- RANK New York Times Employees
- PHOTO 262
Call Report peers
EP in the assets neighbourhood
EP's $71.9M assets sit next to New York Times Employees ($72.1M) 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.
EP 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
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
EP - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #262 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for EP
- Net Worth Ratio trails the peer set - 8.52% here, 13.62% peer average (-5.10 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for DC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
EP Call Report trajectory
EP: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $71.9M (2025Q4) to $74.6M (2026Q1).
- Net-worth ratio shifted -0.01 pp (8.53% → 8.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for EP - kept outside District of Columbia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($71.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
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
- 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 EP financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, EP carries a financial health score of 67/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,783 of 4,374; by total assets it ranks #2,115 of 4,374 nationally (same basis as /rankings/largest); and #13 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 8.52% net worth ratio and a 1.36% delinquency rate.
How does EP compare to other credit unions?
Five weighted metrics from NCUA filings produce EP's 67/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like EP 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. EP's net worth ratio of 8.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EP offer compared to banks?
Credit unions like EP 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 EP 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.