Federal credit union · WASHINGTON, District of Columbia · NCUA charter #266
Library of Congress
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $339.8M
- Total assets
- 10,017
- Members
- 16.3%
- Net-worth ratio
Library of Congress scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $339.8M; members 10,017; net-worth ratio 16.25%; health rank #1,053 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,053 of 4,374 health · 2025Q4Library of Congress · health 90/100 · $339.8M · 2025Q4
Call Report peers
Library of Congress in the assets neighbourhood
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Library of Congress vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Library of Congress sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Library of Congress diverges from peer averages
- Net Worth Ratio leads the peer set - 16.25% here, 12.11% peer average (+4.14 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -5.24 pp (66.96% vs 72.20%).
Where Library of Congress sits in District of Columbia
- Health composite ranks #5 of 29 among scored District of Columbia credit unions.
- District of Columbia assets place: #5 of 29.
- Membership ranks #8 of 29 among District of Columbia CUs with a reported count (10,017 members).
- One place up in District of Columbia, Wright Patman Congressional (#4) scores 92/100, 2 points higher; one place down, Paramount Baptist Church (#6) scores 86/100, 4 points lower.
Library of Congress Call Report trajectory
Library of Congress: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $339.8M (2025Q4) to $341.8M (2026Q1).
- Net-worth ratio shifted +0.09 pp (16.16% → 16.25%).
At 16.25%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Library of Congress gives up 10 points in total. Member Growth costs the most, 9.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.4 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.25% | +4.14 pp |
| Delinquency Rate | 0.41% | -0.48 pp |
| Return on Assets | 0.61% | -0.02 pp |
| Member Growth | -2.01% | - |
| Loan-to-Share Ratio | 66.96% | -5.24 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Library of Congress
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $341.8M | - |
| 2025Q4 | $339.8M | 10,017 |
| 2024Q4 | $331.7M | 10,222 |
| 2023Q4 | $307.0M | 10,096 |
Credit Union Details
- Charter Number
- 266
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- District of Columbia
- City
- WASHINGTON
- Data Quarter
- 2025Q4
Branch Locations (2)
Library of Congress operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| ADMIN OFFICE (Main Office) | Hyattsville, MD |
| DC | 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 Library of Congress
Using this data
- Library of Congress ranks #1,053 of 4,374 nationally on financial health and #5 of 29 in DC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- O.a.S. Staff is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with O.a.S. Staff
Frequently Asked Questions
Is Library of Congress financially healthy?
On its 2025Q4 NCUA 5300 filing, Library of Congress scores 90/100 (Excellent), with a 16.25% net worth ratio and 0.41% of loans delinquent. It ranks #1,053 of 4,374 nationally on health and #5 of 29 in District of Columbia.
How does Library of Congress compare to other credit unions?
Library of Congress scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (16.25% vs 12.11%). Its widest shortfall is loan-to-share ratio (66.96% vs 72.20%).
How can I join Library of Congress?
Library of Congress 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 Library of Congress directly for the current list of qualifying groups.
Is my money safe at Library of Congress?
Library of Congress 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. Library of Congress's net worth ratio of 16.25% exceeds 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.