Federal credit union · Washington, District of Columbia · NCUA charter #320
F R B
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $126.7M
- Total assets
- 5,760
- Members
- 8.4%
- Net-worth ratio
F R B - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #320, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
F R B - 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)87
- Asset quality (delinquency)75
- Earnings (ROA)33
- Member growth69
- Liquidity (loan-to-share)100
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.45% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.45% | 30% |
| Delinquency Rate | 1.18% | 25% |
| Return on Assets | 0.01% | 15% |
| Member Growth | 1.11% | 15% |
| Loan-to-Share Ratio | 73.49% | 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 | $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
What This Data Says About F R B
F R B is a federal credit union headquartered in Washington, District of Columbia, serving 5,760 members with $126.7M in total assets and $82.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 75/100 (Very Good), anchored by a net worth ratio of 8.45% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #320 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 1.18% 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 looser than peers - and a 73.49% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.01% on net income of $14K 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 1.11%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Low Income) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 F R B financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, F R B carries a financial health score of 75/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.45% net worth ratio and a 1.18% delinquency rate.
How does F R B compare to other credit unions?
On PlainCU's health composite, F R B lands at 75/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like F R B 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. F R B's net worth ratio of 8.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does F R B offer compared to banks?
Credit unions like F R B 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 F R B 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.