Federal credit union · Lanham, Maryland · NCUA charter #150
FEDCHOICE
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $491.4M
- Total assets
- 25,580
- Members
- 9.3%
- Net-worth ratio
FEDCHOICE scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $491.4M; members 25,580; net-worth ratio 9.26%; health rank #1,715 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,715 of 4,374 health · 2025Q4FEDCHOICE · health 87/100 · $491.4M · 2025Q4
Call Report peers
FEDCHOICE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FEDCHOICE vs every NCUA-scored credit union
FEDCHOICE sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
FEDCHOICE vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 84.59% here, 72.20% peer average (+12.39 pp).
- Net Worth Ratio trails the peer set - 9.26% here, 12.11% peer average (-2.85 pp).
FEDCHOICE in Maryland
- In Maryland, health place is #20 of 62 on the same NCUA-ratio sort used nationally.
- Maryland assets place: #19 of 62.
- Membership ranks #21 of 62 among Maryland CUs with a reported count (25,580 members).
- One place up in Maryland, HAR-CO (#19) ties at 87/100; one place down, Ferko Md (#21) scores 85/100, 2 points lower.
Quarter path for FEDCHOICE
FEDCHOICE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $491.4M (2025Q4) to $503.4M (2026Q1).
- Net-worth ratio shifted +0.48 pp (8.78% → 9.26%).
This credit union's 9.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
FEDCHOICE gives up 13 points in total. Delinquency Rate costs the most, 6.9 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 18.1 pts
- Return on Assets 12.7 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 15.1 pts
FEDCHOICE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.26% | -2.85 pp |
| Delinquency Rate | 1.26% | +0.36 pp |
| Return on Assets | 0.34% | -0.28 pp |
| Member Growth | 3.21% | - |
| Loan-to-Share Ratio | 84.59% | +12.39 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - FEDCHOICE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $503.4M | - |
| 2025Q4 | $491.4M | 25,580 |
| 2024Q4 | $435.8M | 24,784 |
| 2023Q4 | $431.5M | 24,392 |
Credit Union Details
- Charter Number
- 150
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Maryland
- City
- Lanham
- Data Quarter
- 2025Q4
Branch Locations (5)
FEDCHOICE operates 5 offices across 3 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| FedChoice FCU (Main Office) | Lanham, MD |
| New Carrollton Financial Service Center | Lanham, MD |
| Philadelpia Financial Service Center | Philadelphia, PA |
| National Financial Service Center | Washington, DC |
| Brentwood Financial Service Center | Washington, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
Other-state peers near FEDCHOICE
Using this data
- FEDCHOICE ranks #1,715 of 4,374 nationally on financial health and #20 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MID-ATLANTIC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MID-ATLANTIC
Frequently Asked Questions
Is FEDCHOICE financially healthy?
FEDCHOICE has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,715 of 4,374 nationally on health and #20 of 62 in Maryland. Its net worth ratio is 9.26% and its delinquency rate 1.26%.
How does FEDCHOICE compare to other credit unions?
FEDCHOICE scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.59% vs 72.20%). Its widest shortfall is net worth ratio (9.26% vs 12.11%).
How can I join FEDCHOICE?
FEDCHOICE 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 FEDCHOICE directly for the current list of qualifying groups.
Is my money safe at FEDCHOICE?
FEDCHOICE 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. FEDCHOICE's net worth ratio of 9.26% 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.