Federal credit union · Falls Church, Virginia · NCUA charter #24564
Healthcare Systems
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $137.3M
- Total assets
- 13,855
- Members
- 10.9%
- Net-worth ratio
Healthcare Systems - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24564. See our deposit-insurance coverage note.
Healthcare Systems - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)98
- Earnings (ROA)100
- Member growth60
- Liquidity (loan-to-share)84
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.94%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.94% | 30% |
| Delinquency Rate | 0.55% | 25% |
| Return on Assets | 0.55% | 15% |
| Member Growth | -0.01% | 15% |
| Loan-to-Share Ratio | 59.65% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $137.3M | 13,855 |
| 2024Q4 | $133.3M | 13,857 |
| 2023Q4 | $129.5M | 12,628 |
Credit Union Details
- Charter Number
- 24564
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- Falls Church
- Data Quarter
- 2025Q4
What This Data Says About Healthcare Systems
13,855 members and $137.3M in total assets sit behind Healthcare Systems, a federal credit union in Falls Church, Virginia, which posts a health score of 91/100 (Excellent) on the five-factor composite, with $72.8M in outstanding loans as of Q4 2025 and a net worth ratio of 10.94% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24564 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.55% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 59.65% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.55% on net income of $759K 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 -0.01%. 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: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Virginia
A look at other Virginia 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 Healthcare Systems financially healthy?
Healthcare Systems scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.94% net worth ratio and a 0.55% delinquency rate.
How does Healthcare Systems compare to other credit unions?
91/100 is Healthcare Systems's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Healthcare Systems?
Healthcare Systems operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Healthcare Systems directly for the exact boundaries and application steps.
Is my money safe at Healthcare Systems?
Federal credit unions like Healthcare Systems 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. Healthcare Systems's net worth ratio of 10.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Healthcare Systems offer compared to banks?
Credit unions like Healthcare Systems 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 Healthcare Systems 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.