Federal credit union · WASHINGTON, District of Columbia · NCUA charter #22323

John Wesley Ame Zion Church

Health score 47/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.

47
Health / 100
$74K
Total assets
100
Members
8.1%
Net-worth ratio

John Wesley Ame Zion Church - Share Insurance Coverage

The 2025Q4 NCUA Call Report puts charter #22323 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.

NCUSIF coverage gauge for John Wesley Ame Zion Church Share insurance under NCUSIF covers up to $250,000 per share owner. John Wesley Ame Zion Church holds approximately $65K in member shares. Composite CAMELS rating bracket 3 (Fair). Risk-based capital ratio 8.1 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 3 · Fair RBC ratio 8.1% · $65K member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

John Wesley Ame Zion Church - Five Health Pillars

The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.

  • Capital (net worth ratio) 8.07% 30% weight
  • Asset quality (delinquency) 17.11% 25% weight
  • Earnings (ROA) 0.60% 15% weight
  • Member growth -7.41% 15% weight
  • Liquidity (loan-to-share) 4% 15% weight

Weighted composite: 47/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 53.8%

At 8.07%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$74K
Total Assets
100
Members
$3K
Total Loans
$65K
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 8.07% 30%
Delinquency Rate 17.11% 25%
Return on Assets 0.60% 15%
Member Growth -7.41% 15%
Loan-to-Share Ratio 4.30% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $74K 100
2024Q4 $87K 108
2023Q4 $84K 110

Credit Union Details

Charter Number
22323
Type
Federal
Field of Membership
Community
Peer Group
Under $2M
State
District of Columbia
City
WASHINGTON
Data Quarter
2025Q4

What This Data Says About John Wesley Ame Zion Church

The five-factor composite scores John Wesley Ame Zion Church at 47/100 (Below Average), reflecting a net worth ratio of 8.07% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in WASHINGTON, District of Columbia, reports 100 members, $74K in total assets, and $3K in outstanding loans as of Q4 2025 under charter #22323 (peer group Under $2M, a cohort of 243 similarly-sized institutions).

17.11% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Deposit deployment is captured by the 4.30% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.60% on net income of $447 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 -7.41%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.

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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 John Wesley Ame Zion Church financially healthy?

John Wesley Ame Zion Church has a financial health score of 47/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.07% and delinquency rate of 17.11%.

How does John Wesley Ame Zion Church compare to other credit unions?

47/100 is John Wesley Ame Zion Church's score on PlainCU's health composite, compared to a peer group average for Under $2M 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 John Wesley Ame Zion Church?

John Wesley Ame Zion Church 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 John Wesley Ame Zion Church directly for the exact boundaries and application steps.

Is my money safe at John Wesley Ame Zion Church?

Federal credit unions like John Wesley Ame Zion Church 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. John Wesley Ame Zion Church's net worth ratio of 8.07% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does John Wesley Ame Zion Church offer compared to banks?

Credit unions like John Wesley Ame Zion Church 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 John Wesley Ame Zion Church 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.