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
Call Report peers
PENTAGON in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); PENTAGON 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
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
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).
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.
- One place up in Virginia, PAHO/WHO (#62) ties at 76/100; one place down, Credit Union of Richmond Incorporat (#64) scores 75/100, 1 point lower.
How PENTAGON's 5300 filing moved
PENTAGON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $29.29B (2025Q4) to $29.40B (2026Q1).
- Net-worth ratio shifted +0.28 pp (10.19% → 10.47%).
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
PENTAGON gives up 24 points in total. Member Growth costs the most, 11.1 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is PENTAGON financially healthy?
On its 2025Q4 NCUA 5300 filing, PENTAGON scores 76/100 (Very Good), with a 10.47% net worth ratio and 1.28% of loans delinquent. It ranks #3,193 of 4,374 nationally on health and #63 of 95 in Virginia.
How does PENTAGON compare to other credit unions?
PENTAGON scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.49% vs 83.90%). Its widest shortfall is net worth ratio (10.47% vs 11.18%).
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?
PENTAGON 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. PENTAGON's net worth ratio of 10.47% 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.