Federal credit union · WASHINGTON, District of Columbia · NCUA charter #6506
Mt Gilead
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $77K
- Total assets
- 51
- Members
- 17.5%
- Net-worth ratio
Mt Gilead scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $77K; members 51; net-worth ratio 17.52%; health rank #1,760 of 4,374; healthier than 57th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,760 of 4,374 health · 2025Q4Mt Gilead · health 86/100 · $77K · 2025Q4
- BOOK 86/100
- CHARTER 17.5%
- NCUSIF 0.00%
- CAMELS 0.36%
- HEALTH $77K
- NW 51
- DELQ #1,760/4,374
- ROA n/a
- ASSETS 6506
Call Report peers
Mt Gilead carries $77K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mt Gilead 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
86 Top 43% higher than 57% 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
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.
Where Mt Gilead diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 4.48% (-4.48 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -21.22 pp (31.48% vs 52.70%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Mt Gilead sits in District of Columbia
- In District of Columbia, health place is #7 of 29 on the same NCUA-ratio sort used nationally.
- Assets rank #28 of 29 inside District of Columbia ($77K reported).
- Membership ranks #29 of 29 among District of Columbia CUs with a reported count (51 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.
Mt Gilead: 2025Q4 → 2026Q1
Mt Gilead: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.7% from $77K (2025Q4) to $76K (2026Q1).
- Net-worth ratio shifted +0.39 pp (17.13% → 17.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 9.0 pts
Call Report ratios for Mt Gilead
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.52% | -5.41 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.36% | +0.14 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 31.48% | -21.22 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $76K | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Mt Gilead runs one office.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Mt Gilead - kept outside District of Columbia; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Mt Gilead ranks #1,760 of 4,374 nationally on financial health and #7 of 29 in DC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- John Wesley Ame Zion Church is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with John Wesley Ame Zion Church
- 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 Mt Gilead financially healthy?
Mt Gilead scores 86/100 (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 #1,760 of 4,374; by total assets it ranks #4,367 of 4,374 nationally (same basis as /rankings/largest); and #28 of 29 within District of Columbia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 17.52% 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 17.52% 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.
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.