Federal credit union · WASHINGTON, District of Columbia · NCUA charter #14176
Idb Global
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $826.0M
- Total assets
- 13,850
- Members
- 12.4%
- Net-worth ratio
Idb Global - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14176: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Idb Global - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)79
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.36% | 30% |
| Delinquency Rate | 0.29% | 25% |
| Return on Assets | 0.29% | 15% |
| Member Growth | 10.46% | 15% |
| Loan-to-Share Ratio | 80.49% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $826.0M | 13,850 |
| 2024Q4 | $803.1M | 12,538 |
| 2023Q4 | $794.4M | 11,641 |
Credit Union Details
- Charter Number
- 14176
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- District of Columbia
- City
- WASHINGTON
- Data Quarter
- 2025Q4
What This Data Says About Idb Global
Idb Global is a federal credit union headquartered in WASHINGTON, District of Columbia, serving 13,850 members with $826.0M in total assets and $561.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 97/100 (Excellent), anchored by a net worth ratio of 12.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #14176 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.29% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 80.49% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.29% on net income of $2.4M 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 10.46%. 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 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 Idb Global financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Idb Global carries a financial health score of 97/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.36% net worth ratio and a 0.29% delinquency rate.
How does Idb Global compare to other credit unions?
97/100 is Idb Global's score on PlainCU's health composite, compared to a peer group average for Over $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 Idb Global?
Idb Global 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 Idb Global directly for the exact boundaries and application steps.
Is my money safe at Idb Global?
Federal credit unions like Idb Global 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. Idb Global's net worth ratio of 12.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Idb Global offer compared to banks?
Credit unions like Idb Global 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 Idb Global 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.