Federal credit union · Washington, District of Columbia · NCUA charter #320
F R B
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $126.7M
- Total assets
- 5,760
- Members
- 9.3%
- Net-worth ratio
F R B scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $126.7M; members 5,760; net-worth ratio 9.30%; health rank #3,126 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,126 of 4,374 health · 2025Q4F R B · health 77/100 · $126.7M · 2025Q4
Call Report peers
F R B in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
F R B vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); F R B sits in 75-79 with 502 others.
77 28th percentile higher than 28% 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
F R B vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 73.49% vs peer 72.20% (+1.29 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.81 pp (9.30% vs 12.11%).
Where F R B sits in District of Columbia
- District of Columbia health ordinal: #15 of 29.
- Assets rank #10 of 29 inside District of Columbia ($126.7M reported).
- District of Columbia membership ordinal: #12 of 29.
- One place up in District of Columbia, Dept of Labor (#14) scores 80/100, 3 points higher; one place down, Government Printing Office (#16) scores 76/100, 1 point lower.
F R B: 2025Q4 → 2026Q1
F R B: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.9% from $126.7M (2025Q4) to $124.2M (2026Q1).
- Net-worth ratio shifted +0.23 pp (9.07% → 9.30%).
9.30% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
F R B gives up 23 points in total. Return on Assets costs the most, 10 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 18.7 pts
- Return on Assets 5.0 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.30% | -2.81 pp |
| Delinquency Rate | 1.18% | +0.28 pp |
| Return on Assets | 0.01% | -0.61 pp |
| Member Growth | 1.11% | - |
| Loan-to-Share Ratio | 73.49% | +1.29 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
F R B filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $124.2M | - |
| 2025Q4 | $126.7M | 5,760 |
| 2024Q4 | $125.6M | 5,697 |
| 2023Q4 | $126.6M | 5,620 |
Credit Union Details
- Charter Number
- 320
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $100M–$500M
- State
- District of Columbia
- City
- Washington
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, F R B runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Washington, DC |
| Saint Louis Branch | Saint Louis, MO |
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.
Other-state peers near F R B
Using this data
- F R B ranks #3,126 of 4,374 nationally on financial health and #15 of 29 in DC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dept of Labor is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dept of Labor
Frequently Asked Questions
Is F R B financially healthy?
On its 2025Q4 NCUA 5300 filing, F R B scores 77/100 (Very Good), with a 9.30% net worth ratio and 1.18% of loans delinquent. It ranks #3,126 of 4,374 nationally on health and #15 of 29 in District of Columbia.
How does F R B compare to other credit unions?
F R B scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (73.49% vs 72.20%). Its widest shortfall is net worth ratio (9.30% vs 12.11%).
How can I join F R B?
F R B carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact F R B directly to confirm current membership steps.
Is my money safe at F R B?
F R B 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. F R B's net worth ratio of 9.30% 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.