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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,194 of 4,374 health · 2025Q4HUD · health 55/100 · $44.5M · 2025Q4
- ROA 55/100
- ASSETS 4.2%
- MEM 0.61%
- RANK -0.38%
- PHOTO $44.5M
- BOOK 4,943
- CHARTER #4,194/4,374
- NCUSIF All Saints
- CAMELS 4037
Call Report peers
HUD in the assets neighbourhood
HUD's $44.5M assets sit next to All Saints ($44.4M) 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.
HUD 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
55 4th percentile higher than 4% 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
HUD - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4037. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for DC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for HUD
HUD: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $44.5M (2025Q4) to $44.6M (2026Q1).
- Net-worth ratio shifted -0.09 pp (4.25% → 4.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 4.16%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 55/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 55.
- 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 |
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).
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
Cross-state asset and health neighbours for HUD - kept outside District of Columbia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($44.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (55/100 here).
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
- 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 HUD financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, HUD carries a financial health score of 55/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,194 of 4,374; by total assets it ranks #2,506 of 4,374 nationally (same basis as /rankings/largest); and #16 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 4.16% net worth ratio and a 0.61% delinquency rate.
How does HUD compare to other credit unions?
On PlainCU's health composite, HUD lands at 55/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like HUD 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. HUD's net worth ratio of 4.16% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does HUD offer compared to banks?
Credit unions like HUD 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 HUD 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.