Federal credit union · Washington, District of Columbia · NCUA charter #2299
GSA
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $38.1M
- Total assets
- 5,526
- Members
- 7.4%
- Net-worth ratio
GSA scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.1M; members 5,526; net-worth ratio 7.44%; health rank #2,194 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,194 of 4,374 health · 2025Q4GSA · health 84/100 · $38.1M · 2025Q4
- DELQ 84/100
- ROA 7.4%
- ASSETS 0.35%
- MEM 0.30%
- RANK $38.1M
- PHOTO 5,526
- BOOK #2,194/4,374
- CHARTER BVA
- NCUSIF 2299
Call Report peers
GSA in the assets neighbourhood
GSA's $38.1M assets sit next to BVA ($38.1M) 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.
GSA 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
84 Top 50% higher than 50% 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
GSA - Share Insurance Coverage
Charter #2299'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.
GSA vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 66.63% here, 59.80% peer average (+6.83 pp).
- Net Worth Ratio trails the peer set - 7.44% here, 14.86% peer average (-7.42 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where GSA sits in District of Columbia
- District of Columbia health ordinal: #8 of 29.
- By total assets, GSA is #17 of 29 in District of Columbia.
- Member book place in District of Columbia: #13 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.
How GSA's 5300 filing moved
GSA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $38.1M (2025Q4) to $38.5M (2026Q1).
- Net-worth ratio shifted -0.01 pp (7.45% → 7.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 7.44%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 23.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.0 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 14.5 pts
GSA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.44% | -7.42 pp |
| Delinquency Rate | 0.35% | -0.79 pp |
| Return on Assets | 0.30% | -0.41 pp |
| Member Growth | -0.04% | - |
| Loan-to-Share Ratio | 66.63% | +6.83 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - GSA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $38.5M | - |
| 2025Q4 | $38.1M | 5,526 |
| 2024Q4 | $39.0M | 5,528 |
| 2023Q4 | $40.7M | 5,468 |
Credit Union Details
- Charter Number
- 2299
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- District of Columbia
- City
- Washington
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for GSA.
| Office | City |
|---|---|
| Branch - NW (Main Office) | Washington, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in District of Columbia
A look at other District of Columbia credit unions, ranked by how closely their peer group and asset size match this one.
GSA nationwide neighbourhoods
GSA's nationwide photo peers by assets and by health score, excluding District of Columbia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($38.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- GSA ranks #2,194 of 4,374 nationally on financial health and #8 of 29 in DC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PEPCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PEPCO
- 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 GSA financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, GSA carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,194 of 4,374; by total assets it ranks #2,650 of 4,374 nationally (same basis as /rankings/largest); and #17 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 7.44% net worth ratio and a 0.35% delinquency rate.
How does GSA compare to other credit unions?
GSA scores 84/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 GSA?
GSA 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 GSA directly for the current list of qualifying groups.
Is my money safe at GSA?
Federal credit unions like GSA 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. GSA's net worth ratio of 7.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GSA offer compared to banks?
Credit unions like GSA 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 GSA 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.