Federal credit union · ALEXANDRIA, Virginia · NCUA charter #24640
Mount Pleasant Baptist Church
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $342K
- Total assets
- 117
- Members
- 17.2%
- Net-worth ratio
Mount Pleasant Baptist Church - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24640 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Mount Pleasant Baptist 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)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth30
- Liquidity (loan-to-share)45
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 17.22%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.22% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 3.58% | 15% |
| Member Growth | -2.50% | 15% |
| Loan-to-Share Ratio | 7.84% | 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 | $342K | 117 |
| 2024Q4 | $318K | 120 |
| 2023Q4 | $290K | 121 |
Credit Union Details
- Charter Number
- 24640
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Virginia
- City
- ALEXANDRIA
- Data Quarter
- 2025Q4
What This Data Says About Mount Pleasant Baptist Church
117 members and $342K in total assets sit behind Mount Pleasant Baptist Church, a federal credit union in ALEXANDRIA, Virginia, which posts a health score of 81/100 (Excellent) on the five-factor composite, with $22K in outstanding loans as of Q4 2025 and a net worth ratio of 17.22% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24640 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers - and a 7.84% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 3.58% on net income of $12K 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 -2.50%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
- BRISTOL VA SCHOOL SYSTEMBristol, VA · Under $2M52Health
- BRUNSWICK COUNTY TEACHERSLawrenceville, VA · Under $2M76Health
- FIRST BAPTIST CHURCH OF VIENNA (VA)VIENNA, VA · Under $2M67Health
- INLAND MOTOR EMPLOYEESRadford, VA · Under $2M71Health
- IBEW LOCAL UNION 80Norfolk, VA · Under $2M93Health
Compare Mount Pleasant Baptist Church vs BRISTOL VA SCHOOL SYSTEM
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 Mount Pleasant Baptist Church financially healthy?
Mount Pleasant Baptist Church scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 17.22% net worth ratio and a 0.00% delinquency rate.
How does Mount Pleasant Baptist Church compare to other credit unions?
Mount Pleasant Baptist Church scores 81/100 on PlainCU's health composite, compared to a peer group average for Under $2M 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 Mount Pleasant Baptist Church?
Mount Pleasant Baptist 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 Mount Pleasant Baptist Church directly for the exact boundaries and application steps.
Is my money safe at Mount Pleasant Baptist Church?
Federal credit unions like Mount Pleasant Baptist 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. Mount Pleasant Baptist Church's net worth ratio of 17.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mount Pleasant Baptist Church offer compared to banks?
Credit unions like Mount Pleasant Baptist 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 Mount Pleasant Baptist 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.