Federal credit union · Washington, District of Columbia · NCUA charter #24219
Mt. Airy Baptist Church
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $1.0M
- Total assets
- 238
- Members
- 41.7%
- Net-worth ratio
Mt. Airy Baptist Church - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24219, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Mt. Airy Baptist Church - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)89
- Earnings (ROA)100
- Member growth67
- Liquidity (loan-to-share)100
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 41.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 41.71% | 30% |
| Delinquency Rate | 0.78% | 25% |
| Return on Assets | 3.62% | 15% |
| Member Growth | 0.85% | 15% |
| Loan-to-Share Ratio | 69.93% | 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 | $1.0M | 238 |
| 2024Q4 | $1.1M | 236 |
| 2023Q4 | $1.1M | 237 |
Credit Union Details
- Charter Number
- 24219
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- Under $2M
- State
- District of Columbia
- City
- Washington
- Data Quarter
- 2025Q4
What This Data Says About Mt. Airy Baptist Church
Charter #24219, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Mt. Airy Baptist Church, a federal credit union in Washington, District of Columbia with 238 members, $1.0M in total assets, and $427K in outstanding loans as of Q4 2025. The five-factor composite scores it 92/100 (Excellent), helped by a net worth ratio of 41.71% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.78% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 69.93% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 3.62% on net income of $38K 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 0.85%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community/Select Employee Group) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in District of Columbia
Other federally-insured credit unions in District of Columbia, closest first by peer group 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 Mt. Airy Baptist Church financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Mt. Airy Baptist Church carries a financial health score of 92/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 41.71% net worth ratio and a 0.78% delinquency rate.
How does Mt. Airy Baptist Church compare to other credit unions?
92/100 is Mt. Airy Baptist 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 Mt. Airy Baptist Church?
Mt. Airy 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 Mt. Airy Baptist Church directly for the exact boundaries and application steps.
Is my money safe at Mt. Airy Baptist Church?
Federal credit unions like Mt. Airy 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. Mt. Airy Baptist Church's net worth ratio of 41.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mt. Airy Baptist Church offer compared to banks?
Credit unions like Mt. Airy 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 Mt. Airy 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.