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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,163 of 4,374 health · 2025Q4PAHO/WHO · health 76/100 · $322.9M · 2025Q4
- HEALTH 76/100
- NW 14.3%
- DELQ 0.47%
- ROA 0.11%
- ASSETS $322.9M
- MEM 7,051
- RANK #3,163/4,374
- PHOTO West Virginia Central
- BOOK 6464
Call Report peers
PAHO/WHO in the assets neighbourhood
PAHO/WHO's $322.9M assets sit next to West Virginia Central ($322.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
76 26th percentile higher than 26% 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
PAHO/WHO - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6464. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PAHO/WHO Call Report trajectory
PAHO/WHO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $322.9M (2025Q4) to $325.8M (2026Q1).
- Net-worth ratio shifted -0.03 pp (14.29% → 14.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
PAHO/WHO's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($322.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia 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 PAHO/WHO financially healthy?
PAHO/WHO scores 76/100 (Very Good) 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 #3,163 of 4,374; by total assets it ranks #996 of 4,374 nationally (same basis as /rankings/largest); and #31 of 95 within Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.26% net worth ratio and a 0.47% delinquency rate.
How does PAHO/WHO compare to other credit unions?
On PlainCU's health composite, PAHO/WHO lands at 76/100, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like PAHO/WHO 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. PAHO/WHO's net worth ratio of 14.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PAHO/WHO offer compared to banks?
Credit unions like PAHO/WHO 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 PAHO/WHO 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.