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
- ASSETS 90/100
- MEM 16.3%
- RANK 0.41%
- PHOTO 0.61%
- BOOK $339.8M
- CHARTER 10,017
- NCUSIF #1,053/4,374
- CAMELS OREGONIANS
- HEALTH 266
Call Report peers
Library of Congress in the assets neighbourhood
Library of Congress's $339.8M assets sit next to OREGONIANS ($339.5M) 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.
Library of Congress 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
90 Top 27% higher than 73% 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
Library of Congress - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #266. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for DC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Library of Congress Call Report trajectory
Library of Congress: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $339.8M (2025Q4) to $341.8M (2026Q1).
- Net-worth ratio shifted +0.09 pp (16.16% → 16.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for Library of Congress, both outside District of Columbia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($339.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- 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 Library of Congress financially healthy?
Library of Congress scores 90/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,053 of 4,374; by total assets it ranks #963 of 4,374 nationally (same basis as /rankings/largest); and #5 of 29 within District of Columbia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.25% net worth ratio and a 0.41% delinquency rate.
How does Library of Congress compare to other credit unions?
Library of Congress scores 90/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like Library of Congress 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. Library of Congress's net worth ratio of 16.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Library of Congress offer compared to banks?
Credit unions like Library of Congress 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 Library of Congress 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.