Federal credit union · MCLEAN, Virginia · NCUA charter #227
PENTAGON
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $29.29B
- Total assets
- 2,752,809
- Members
- 10.5%
- Net-worth ratio
PENTAGON scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.29B; members 2,752,809; net-worth ratio 10.47%; health rank #3,193 of 4,374; healthier than 26th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,193 of 4,374 health · 2025Q4PENTAGON · health 76/100 · $29.29B · 2025Q4
- NCUSIF 76/100
- CAMELS 10.5%
- HEALTH 1.28%
- NW 0.12%
- DELQ $29.29B
- ROA 2,752,809
- ASSETS #3,193/4,374
- MEM Boeing Employees
- RANK 227
Call Report peers
PENTAGON in the assets neighbourhood
PENTAGON's $29.29B assets sit next to Boeing Employees ($29.36B) 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.
PENTAGON 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
PENTAGON - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #227. See our deposit-insurance coverage note.
Peer-gap read for PENTAGON
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +6.59 pp (90.49% vs 83.90%).
- Net Worth Ratio trails the peer set - 10.47% here, 11.18% peer average (-0.71 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Virginia standing for PENTAGON
- In Virginia, health place is #63 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #2 of 95 inside Virginia ($29.29B reported).
- Member book place in Virginia: #2 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.
How PENTAGON's 5300 filing moved
PENTAGON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $29.29B (2025Q4) to $29.40B (2026Q1).
- Net-worth ratio shifted +0.28 pp (10.19% → 10.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action 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 17.9 pts
- Return on Assets 9.4 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 14.8 pts
PENTAGON health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.47% | -0.71 pp |
| Delinquency Rate | 1.28% | +0.40 pp |
| Return on Assets | 0.12% | -0.38 pp |
| Member Growth | -2.84% | - |
| Loan-to-Share Ratio | 90.49% | +6.59 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.40B | - |
| 2025Q4 | $29.29B | 2,752,809 |
| 2024Q4 | $31.01B | 2,833,403 |
| 2023Q4 | $34.82B | 2,862,415 |
Credit Union Details
- Charter Number
- 227
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Virginia
- City
- MCLEAN
- Data Quarter
- 2025Q4
Branch Locations (46)
The NCUA branch filing lists 46 physical offices for PENTAGON, spread across 40 cities in 16 states.
| Office | City |
|---|---|
| PenFed Corporate HQ-Tyson Corner (Main Office) | McLean, VA |
| Kingstowne | Alexandria, VA |
| Alexandria Service Center | ALEXANDRIA, VA |
| Augusta Davis Road | Augusta, GA |
| Bartow | Bartow, FL |
| Cibolo | Cibolo, TX |
| Dallas AAFES | Dallas, TX |
| East Windsor | East Windsor, NJ |
| Eugene | Eugene, OR |
| Fort Belvoir | FORT BELVOIR, VA |
| Pope Army Airfield | Fort Bragg, NC |
| Fort Buchanan | Fort Buchanan, PR |
| Fort Gordon | Fort Gordon, GA |
| Fort Hood | Fort Hood, TX |
| Fort Hood Service Center | Fort Hood, TX |
| Fort Myer | Fort Myer, VA |
| Fort Shafter | Fort Shafter, HI |
| San Patricio | Guaynabo, PR |
| Puerto Rico Service Center | Guaynabo, PR |
| Hagatna Branch | Hagatna, GU |
| Harker Heights | Harker Heights, TX |
| Hatillo | Hatillo, PR |
| Honolulu | Honolulu, HI |
| Humacao | Humacao, PR |
| DFW Mortgage Center | Irving, TX |
| LaVista | LaVista, NE |
| Mayaguez | Mayaguez, PR |
| New York - Penn Station Service Center | New York, NY |
| Omaha-Fort Street | OMAHA, NE |
| Nebraska-Papillion Service Center | Papillion, NE |
| Ponce | Ponce, PR |
| King Farm Branch | Rockville, MD |
| Texas - San Antonio Service Center | San Antonio, TX |
| Encino Park | San Antonio, TX |
| Alamo Ranch | San Antonio, TX |
| Scranton II | Scranton, PA |
| Fort Walton Beach | Shalimar, FL |
| TuTu Park | St Thomas, VI |
| Temple | Temple, TX |
| Haygood | Virginia Beach, VA |
| Pentagon | Washington, DC |
| D.C. VA Medical Center | Washington, DC |
| DOE Independence Ave. | WASHINGTON, DC |
| West Point -Cadet Branch | West Point, NY |
| West Point AAFES | West Point, NY |
| Woodbridge | Woodbridge, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Cross-state Call Report peers for PENTAGON
Cross-state asset and health neighbours for PENTAGON - kept outside Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($29.29B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- PENTAGON ranks #3,193 of 4,374 nationally on financial health and #63 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VIRGINIA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VIRGINIA
- 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 PENTAGON financially healthy?
PENTAGON 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 #3,193 of 4,374; by total assets it ranks #5 of 4,374 nationally (same basis as /rankings/largest); and #2 of 95 within Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.47% net worth ratio and a 1.28% delinquency rate.
How does PENTAGON compare to other credit unions?
On PlainCU's health composite, PENTAGON lands at 76/100, compared to a peer group average for Over $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 PENTAGON?
PENTAGON 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 PENTAGON directly for the exact boundaries and application steps.
Is my money safe at PENTAGON?
Federal credit unions like PENTAGON 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. PENTAGON's net worth ratio of 10.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PENTAGON offer compared to banks?
Credit unions like PENTAGON 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 PENTAGON 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.