Federal credit union · Arlington, Virginia · NCUA charter #6464
PAHO/WHO
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $322.9M
- Total assets
- 7,051
- Members
- 14.3%
- Net-worth ratio
PAHO/WHO scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $322.9M; members 7,051; net-worth ratio 14.26%; health rank #3,163 of 4,374; healthier than 26th of scored peers.
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#3,163 of 4,374 health · 2025Q4PAHO/WHO · health 76/100 · $322.9M · 2025Q4
Call Report peers
PAHO/WHO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PAHO/WHO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PAHO/WHO sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where PAHO/WHO diverges from peer averages
- Net Worth Ratio leads the peer set - 14.26% here, 12.11% peer average (+2.15 pp).
- Loan-to-Share Ratio trails the peer set - 56.92% here, 72.20% peer average (-15.28 pp).
Where PAHO/WHO sits in Virginia
- Virginia health ordinal: #62 of 95.
- Assets rank #31 of 95 inside Virginia ($322.9M reported).
- Virginia membership ordinal: #49 of 95.
- One place up in Virginia, Brunswick County Teachers (#61) ties at 76/100; one place down, PENTAGON (#63) ties at 76/100.
PAHO/WHO Call Report trajectory
PAHO/WHO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $322.9M (2025Q4) to $325.8M (2026Q1).
- Net-worth ratio shifted -0.03 pp (14.29% → 14.26%).
At 14.26%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
PAHO/WHO gives up 24 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.8 pts
PAHO/WHO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.26% | +2.15 pp |
| Delinquency Rate | 0.47% | -0.42 pp |
| Return on Assets | 0.11% | -0.51 pp |
| Member Growth | -9.93% | - |
| Loan-to-Share Ratio | 56.92% | -15.28 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - PAHO/WHO
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $325.8M | - |
| 2025Q4 | $322.9M | 7,051 |
| 2024Q4 | $321.3M | 7,828 |
| 2023Q4 | $320.6M | 8,079 |
Credit Union Details
- Charter Number
- 6464
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- Arlington
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for PAHO/WHO, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| PAHO/WHO Federal Credit Union (Main Office) | Arlington, VA |
| PAHO WHO Federal Credit Union Columbia Plaza | Washington, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
Cross-state Call Report peers for PAHO/WHO
Using this data
- PAHO/WHO ranks #3,163 of 4,374 nationally on financial health and #62 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dominion Energy Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dominion Energy Credit Union
Frequently Asked Questions
Is PAHO/WHO financially healthy?
On its 2025Q4 NCUA 5300 filing, PAHO/WHO scores 76/100 (Very Good), with a 14.26% net worth ratio and 0.47% of loans delinquent. It ranks #3,163 of 4,374 nationally on health and #62 of 95 in Virginia.
How does PAHO/WHO compare to other credit unions?
PAHO/WHO scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.26% vs 12.11%). Its widest shortfall is loan-to-share ratio (56.92% vs 72.20%).
How can I join PAHO/WHO?
PAHO/WHO 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 PAHO/WHO directly for the exact boundaries and application steps.
Is my money safe at PAHO/WHO?
PAHO/WHO 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. PAHO/WHO's net worth ratio of 14.26% 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.