Federal credit union · WASHINGTON, District of Columbia · NCUA charter #4037
HUD
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $44.5M
- Total assets
- 4,943
- Members
- 4.2%
- Net-worth ratio
HUD scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.5M; members 4,943; net-worth ratio 4.16%; health rank #4,194 of 4,374; healthier than 4th of scored peers.
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NCUA 5300 Call Report Masthead
#4,194 of 4,374 health · 2025Q4HUD · health 55/100 · $44.5M · 2025Q4
Call Report peers
HUD in the assets neighbourhood
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HUD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HUD sits in 55-59 with 115 others.
55 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HUD vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 76.96% here, 59.80% peer average (+17.16 pp).
- Largest lag: Net Worth Ratio at 4.16% vs peer 14.86% (-10.70 pp).
District of Columbia standing for HUD
- Health composite ranks #25 of 29 among scored District of Columbia credit unions.
- Assets rank #16 of 29 inside District of Columbia ($44.5M reported).
- Membership ranks #15 of 29 among District of Columbia CUs with a reported count (4,943 members).
- One place up in District of Columbia, Phi Beta Sigma (#24) scores 58/100, 3 points higher; one place down, John Wesley Ame Zion Church (#26) scores 51/100, 4 points lower.
Quarter path for HUD
HUD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $44.5M (2025Q4) to $44.6M (2026Q1).
- Net-worth ratio shifted -0.09 pp (4.25% → 4.16%).
At 4.16%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 55/100 score is built
HUD gives up 45 points in total. Net Worth Ratio costs the most, 19.6 of its 30; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 10.4 pts
- Delinquency Rate 23.9 pts
- Return on Assets 1.1 pts
- Member Growth 4.7 pts
- Loan-to-Share Ratio 14.9 pts
HUD vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 4.16% | -10.70 pp |
| Delinquency Rate | 0.61% | -0.53 pp |
| Return on Assets | -0.38% | -1.09 pp |
| Member Growth | -2.39% | - |
| Loan-to-Share Ratio | 76.96% | +17.16 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
HUD filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.6M | - |
| 2025Q4 | $44.5M | 4,943 |
| 2024Q4 | $47.4M | 5,064 |
| 2023Q4 | $49.3M | 5,048 |
Credit Union Details
- Charter Number
- 4037
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- District of Columbia
- City
- WASHINGTON
- Data Quarter
- 2025Q4
Branch Location
HUD operates a single office in Washington, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| HUD (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.
Other-state peers near HUD
Similar total assets
Using this data
- HUD ranks #4,194 of 4,374 nationally on financial health and #25 of 29 in DC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Afl Cio Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Afl Cio Employees
Frequently Asked Questions
Is HUD financially healthy?
On its 2025Q4 NCUA 5300 filing, HUD scores 55/100 (Fair), with a 4.16% net worth ratio and 0.61% of loans delinquent. It ranks #4,194 of 4,374 nationally on health and #25 of 29 in District of Columbia.
How does HUD compare to other credit unions?
HUD scores 55/100, higher than 4% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (76.96% vs 59.80%). Its widest shortfall is net worth ratio (4.16% vs 14.86%).
How can I join HUD?
HUD 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 HUD directly for the current list of qualifying groups.
Is my money safe at HUD?
HUD 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. HUD's net worth ratio of 4.16% is relative to 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.