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
Call Report peers
FEDFINANCIAL in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); FEDFINANCIAL sits in 60-64 with 179 others.
64 10th percentile higher than 10% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for FEDFINANCIAL
- Largest lag: Loan-to-Share Ratio at 34.37% vs peer 62.60% (-28.23 pp).
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.
- One place up in Maryland, Korean Catholic (#54) scores 65/100, 1 point higher; one place down, BEE (#56) scores 63/100, 1 point lower.
How FEDFINANCIAL's 5300 filing moved
FEDFINANCIAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $76.6M (2025Q4) to $77.7M (2026Q1).
- Net-worth ratio shifted -0.04 pp (8.74% → 8.70%).
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
FEDFINANCIAL gives up 36 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio loses the least, 3.3.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is FEDFINANCIAL financially healthy?
On its 2025Q4 NCUA 5300 filing, FEDFINANCIAL scores 64/100 (Good), with a 8.70% net worth ratio and 1.12% of loans delinquent. It ranks #3,925 of 4,374 nationally on health and #55 of 62 in Maryland.
How does FEDFINANCIAL compare to other credit unions?
FEDFINANCIAL scores 64/100, higher than 10% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (34.37% vs 62.60%).
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?
FEDFINANCIAL 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. FEDFINANCIAL's net worth ratio of 8.70% 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.