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
- CAMELS 87/100
- HEALTH 9.3%
- NW 1.26%
- DELQ 0.34%
- ROA $491.4M
- ASSETS 25,580
- MEM #1,715/4,374
- RANK West Community
- PHOTO 150
Call Report peers
FEDCHOICE in the assets neighbourhood
FEDCHOICE's $491.4M assets sit next to West Community ($491.3M) 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.
FEDCHOICE 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
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 - Share Insurance Coverage
Charter #150's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for FEDCHOICE
FEDCHOICE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $491.4M (2025Q4) to $503.4M (2026Q1).
- Net-worth ratio shifted +0.48 pp (8.78% → 9.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
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).
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
Two NCUA Call Report peer sets for FEDCHOICE, both outside Maryland so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($491.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland 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 FEDCHOICE financially healthy?
A 9.26% net worth ratio and a 1.26% delinquency rate feed into FEDCHOICE's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,715 of 4,374; by total assets it ranks #759 of 4,374 nationally (same basis as /rankings/largest); and #19 of 62 within Maryland. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does FEDCHOICE compare to other credit unions?
FEDCHOICE scores 87/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like FEDCHOICE 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. FEDCHOICE's net worth ratio of 9.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FEDCHOICE offer compared to banks?
Credit unions like FEDCHOICE 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 FEDCHOICE 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.