Federal credit union · Silver Spring, Maryland · NCUA charter #216
FEDFINANCIAL
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $76.6M
- Total assets
- 3,685
- Members
- 8.7%
- Net-worth ratio
FEDFINANCIAL scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $76.6M; members 3,685; net-worth ratio 8.70%; health rank #3,925 of 4,374; healthier than 10th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,925 of 4,374 health · 2025Q4FEDFINANCIAL · health 64/100 · $76.6M · 2025Q4
- CHARTER 64/100
- NCUSIF 8.7%
- CAMELS 1.12%
- HEALTH 0.10%
- NW $76.6M
- DELQ 3,685
- ROA #3,925/4,374
- ASSETS EVERGREENDIRECT
- MEM 216
Call Report peers
FEDFINANCIAL in the assets neighbourhood
FEDFINANCIAL's $76.6M assets sit next to EVERGREENDIRECT ($76.5M) 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.
FEDFINANCIAL 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
64 10th percentile higher than 10% 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
FEDFINANCIAL - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #216 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for FEDFINANCIAL
- Largest lag: Loan-to-Share Ratio at 34.37% vs peer 62.60% (-28.23 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Maryland standing for FEDFINANCIAL
- In Maryland, health place is #55 of 62 on the same NCUA-ratio sort used nationally.
- By total assets, FEDFINANCIAL is #37 of 62 in Maryland.
- Member book place in Maryland: #41 of 62.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How FEDFINANCIAL's 5300 filing moved
FEDFINANCIAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $76.6M (2025Q4) to $77.7M (2026Q1).
- Net-worth ratio shifted -0.04 pp (8.74% → 8.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 64/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 64.
- Net Worth Ratio 26.7 pts
- Delinquency Rate 19.1 pts
- Return on Assets 8.8 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.70% | -4.92 pp |
| Delinquency Rate | 1.12% | +0.16 pp |
| Return on Assets | 0.10% | -0.56 pp |
| Member Growth | -6.02% | - |
| Loan-to-Share Ratio | 34.37% | -28.23 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
FEDFINANCIAL filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $77.7M | - |
| 2025Q4 | $76.6M | 3,685 |
| 2024Q4 | $75.4M | 3,921 |
| 2023Q4 | $82.0M | 4,020 |
Credit Union Details
- Charter Number
- 216
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $50M–$100M
- State
- Maryland
- City
- Silver Spring
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for FEDFINANCIAL.
| Office | City |
|---|---|
| FDA Campus (Main Office) | Silver Spring, MD |
| White Oak | Silver Spring, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
Other federally-insured credit unions in Maryland, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
FEDFINANCIAL's nationwide photo peers by assets and by health score, excluding Maryland charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($76.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (64/100 here).
Using this data
- FEDFINANCIAL ranks #3,925 of 4,374 nationally on financial health and #55 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Destinations Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Destinations Credit Union
- 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 FEDFINANCIAL financially healthy?
FEDFINANCIAL has a financial health score of 64/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,925 of 4,374; by total assets it ranks #2,054 of 4,374 nationally (same basis as /rankings/largest); and #37 of 62 within Maryland. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.70% and delinquency rate of 1.12%.
How does FEDFINANCIAL compare to other credit unions?
Five weighted metrics from NCUA filings produce FEDFINANCIAL's 64/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 FEDFINANCIAL?
FEDFINANCIAL 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 FEDFINANCIAL directly to confirm current membership steps.
Is my money safe at FEDFINANCIAL?
Federal credit unions like FEDFINANCIAL 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. FEDFINANCIAL's net worth ratio of 8.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FEDFINANCIAL offer compared to banks?
Credit unions like FEDFINANCIAL 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 FEDFINANCIAL 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.