Federal credit union · WASHINGTON, District of Columbia · NCUA charter #6506
Mt Gilead
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $77K
- Total assets
- 51
- Members
- 17.1%
- Net-worth ratio
Mt Gilead - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #6506 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Mt Gilead - 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)100
- Earnings (ROA)86
- Member growth60
- Liquidity (loan-to-share)59
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 17.13% 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 | 17.13% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.36% | 15% |
| Member Growth | 0.00% | 15% |
| Loan-to-Share Ratio | 31.48% | 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 | $77K | 51 |
| 2024Q4 | $73K | 51 |
| 2023Q4 | $76K | 67 |
Credit Union Details
- Charter Number
- 6506
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- District of Columbia
- City
- WASHINGTON
- Data Quarter
- 2025Q4
What This Data Says About Mt Gilead
Headquartered in WASHINGTON, District of Columbia, Mt Gilead is a federal credit union with 51 members, $77K in total assets, and $20K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 86/100 (Excellent), driven in part by a net worth ratio of 17.13% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #6506 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 31.48% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.36% on net income of $279 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 0.00%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 Gilead financially healthy?
Mt Gilead scores 86/100 (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 17.13% net worth ratio and a 0.00% delinquency rate.
How does Mt Gilead compare to other credit unions?
On PlainCU's health composite, Mt Gilead lands at 86/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Mt Gilead?
Mt Gilead 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 Gilead directly for the exact boundaries and application steps.
Is my money safe at Mt Gilead?
Federal credit unions like Mt Gilead 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 Gilead's net worth ratio of 17.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mt Gilead offer compared to banks?
Credit unions like Mt Gilead 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 Gilead 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.