Federal credit union · Olney, Maryland · NCUA charter #22700
Korean Catholic
Health score 48/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 48
- Health / 100
- $2.0M
- Total assets
- 304
- Members
- 5.1%
- Net-worth ratio
Korean Catholic - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #22700. See our deposit-insurance coverage note.
Korean Catholic - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)42
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)70
Weighted composite: 48/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 5.06% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.06% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -1.57% | 15% |
| Member Growth | -11.11% | 15% |
| Loan-to-Share Ratio | 49.64% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.0M | 304 |
| 2024Q4 | $2.1M | 342 |
| 2023Q4 | $2.1M | 332 |
Credit Union Details
- Charter Number
- 22700
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Maryland
- City
- Olney
- Data Quarter
- 2025Q4
What This Data Says About Korean Catholic
Korean Catholic is a federal credit union headquartered in Olney, Maryland, serving 304 members with $2.0M in total assets and $896K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 48/100 (Below Average), anchored by a net worth ratio of 5.06% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #22700 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 49.64% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.00% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at -1.57% on net income of $-31792 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 -11.11%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
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 Korean Catholic financially healthy?
Yes/no aside, the number is 48/100 (Below Average) - Korean Catholic's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 5.06% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Korean Catholic compare to other credit unions?
48/100 is Korean Catholic's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Korean Catholic?
Korean Catholic 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 Korean Catholic directly for the exact boundaries and application steps.
Is my money safe at Korean Catholic?
Federal credit unions like Korean Catholic 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. Korean Catholic's net worth ratio of 5.06% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Korean Catholic offer compared to banks?
Credit unions like Korean Catholic 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 Korean Catholic 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.