Federal credit union · Rockville, Maryland · NCUA charter #3601
National Institutes of Health
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $804.4M
- Total assets
- 41,414
- Members
- 8.1%
- Net-worth ratio
National Institutes of Health scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $804.4M; members 41,414; net-worth ratio 8.05%; health rank #3,302 of 4,374; healthier than 24th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,302 of 4,374 health · 2025Q4National Institutes · health 75/100 · $804.4M · 2025Q4
Call Report peers
National Institutes of Health in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
National Institutes of Health vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); National Institutes of Health sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
National Institutes of Health vs Over $500M peers
- Delinquency Rate leads the peer set - 0.21% here, 0.87% peer average (-0.67 pp).
- Loan-to-Share Ratio trails the peer set - 67.04% here, 83.90% peer average (-16.86 pp).
National Institutes of Health in Maryland
- Maryland health ordinal: #43 of 62.
- Assets rank #12 of 62 inside Maryland ($804.4M reported).
- Membership ranks #15 of 62 among Maryland CUs with a reported count (41,414 members).
- One place up in Maryland, W S S C (#42) scores 76/100, 1 point higher; one place down, Choptank Electric Coop Employ (#44) scores 73/100, 2 points lower.
Quarter path for National Institutes of Health
National Institutes of Health: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $804.4M (2025Q4) to $825.5M (2026Q1).
- Net-worth ratio shifted +0.02 pp (8.03% → 8.05%).
At 8.05%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
National Institutes of Health gives up 25 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 25.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.6 pts
National Institutes health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.05% | -3.13 pp |
| Delinquency Rate | 0.21% | -0.67 pp |
| Return on Assets | 0.19% | -0.32 pp |
| Member Growth | -7.65% | - |
| Loan-to-Share Ratio | 67.04% | -16.86 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
National Institutes filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $825.5M | - |
| 2025Q4 | $804.4M | 41,414 |
| 2024Q4 | $793.4M | 44,843 |
| 2023Q4 | $798.8M | 48,541 |
Credit Union Details
- Charter Number
- 3601
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Maryland
- City
- Rockville
- Data Quarter
- 2025Q4
Branch Locations (7)
National Institutes of Health operates 7 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Rockville, MD |
| Branch | Bethesda, MD |
| Branch | Rockville, MD |
| Fishers Lane (NIAID) | Rockville, MD |
| The National Cancer Institute (NCI) Shady Grove | Rockville, MD |
| Teller Operations Center | Rockville, MD |
| Branch | Silver Spring, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
A look at other Maryland credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- National Institutes of Health ranks #3,302 of 4,374 nationally on financial health and #43 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cedar Point is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cedar Point
Frequently Asked Questions
Is National Institutes of Health financially healthy?
National Institutes of Health has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,302 of 4,374 nationally on health and #43 of 62 in Maryland. Its net worth ratio is 8.05% and its delinquency rate 0.21%.
How does National Institutes of Health compare to other credit unions?
National Institutes of Health scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.21% vs 0.87%). Its widest shortfall is loan-to-share ratio (67.04% vs 83.90%).
How can I join National Institutes of Health?
National Institutes of Health 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 National Institutes of Health directly for the exact boundaries and application steps.
Is my money safe at National Institutes of Health?
National Institutes of Health is a federal credit union; its shares are federally 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. National Institutes of Health's net worth ratio of 8.05% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.