Federal credit union · Washington, District of Columbia · NCUA charter #2299
Gsa
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $38.1M
- Total assets
- 5,526
- Members
- 7.5%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)79
- Asset quality (delinquency)100
- Earnings (ROA)80
- Member growth60
- Liquidity (loan-to-share)95
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.45%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.45% | 30% |
| Delinquency Rate | 0.35% | 25% |
| Return on Assets | 0.30% | 15% |
| Member Growth | -0.04% | 15% |
| Loan-to-Share Ratio | 66.63% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Gsa
Gsa is a federal credit union headquartered in Washington, District of Columbia, serving 5,526 members with $38.1M in total assets and $23.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 84/100 (Excellent), anchored by a net worth ratio of 7.45% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #2299 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.35% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 66.63% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.30% on net income of $113K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.04%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.45% 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 7.45% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.