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
- NCUSIF 77/100
- CAMELS 9.3%
- HEALTH 1.18%
- NW 0.01%
- DELQ $126.7M
- ROA 5,760
- ASSETS #3,126/4,374
- MEM F a a
- RANK 320
Call Report peers
F R B in the assets neighbourhood
F R B's $126.7M assets sit next to F a a ($126.8M) 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.
F R B 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
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 - 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 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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for DC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
F R B: 2025Q4 → 2026Q1
F R B: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.9% from $126.7M (2025Q4) to $124.2M (2026Q1).
- Net-worth ratio shifted +0.23 pp (9.07% → 9.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for F R B - kept outside District of Columbia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($126.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- 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 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 77/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,126 of 4,374; by total assets it ranks #1,632 of 4,374 nationally (same basis as /rankings/largest); and #10 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 9.30% 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 77/100, 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 9.30% 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.
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.