Federal credit union · WASHINGTON, District of Columbia · NCUA charter #367
PEPCO
Health score 33/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 33
- Health / 100
- $33.0M
- Total assets
- 1,934
- Members
- 7.9%
- Net-worth ratio
PEPCO scores 33/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.0M; members 1,934; net-worth ratio 7.91%; health rank #4,362 of 4,374; healthier than 0th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,362 of 4,374 health · 2025Q4PEPCO · health 33/100 · $33.0M · 2025Q4
Call Report peers
PEPCO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PEPCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PEPCO sits in 30-34 with 8 others.
33 0th percentile in the bottom 1% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
PEPCO: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 27.13% vs peer 59.80% (-32.67 pp).
District of Columbia standing for PEPCO
- District of Columbia health ordinal: #29 of 29.
- District of Columbia assets place: #18 of 29.
- Membership ranks #20 of 29 among District of Columbia CUs with a reported count (1,934 members).
- No scored District of Columbia credit union ranks lower; the next one up, O.a.S. Staff (#28) scores 47/100, 14 points higher.
PEPCO Call Report trajectory
PEPCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $33.0M (2025Q4) to $33.4M (2026Q1).
- Net-worth ratio shifted -0.61 pp (8.52% → 7.91%).
At 7.91%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 33/100 score is built
PEPCO gives up 67 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio loses the least, 5.2.
- Net Worth Ratio 24.8 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.91% | -6.95 pp |
| Delinquency Rate | 5.88% | +4.74 pp |
| Return on Assets | -0.56% | -1.27 pp |
| Member Growth | -7.73% | - |
| Loan-to-Share Ratio | 27.13% | -32.67 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
PEPCO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.4M | - |
| 2025Q4 | $33.0M | 1,934 |
| 2024Q4 | $32.8M | 2,096 |
| 2023Q4 | $33.7M | 1,910 |
Credit Union Details
- Charter Number
- 367
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- District of Columbia
- City
- WASHINGTON
- Data Quarter
- 2025Q4
Branch Locations (2)
PEPCO operates 2 offices in Washington, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Pepco FCU (Main Office) | Washington, DC |
| Pepco FCU | Washington, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in District of Columbia
A look at other District of Columbia credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for PEPCO
Similar total assets
Similar health score
Using this data
- PEPCO ranks #4,362 of 4,374 nationally on financial health and #29 of 29 in DC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Government Printing Office is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Government Printing Office
Frequently Asked Questions
Is PEPCO financially healthy?
On its 2025Q4 NCUA 5300 filing, PEPCO scores 33/100 (Weak), with a 7.91% net worth ratio and 5.88% of loans delinquent. It ranks #4,362 of 4,374 nationally on health and #29 of 29 in District of Columbia.
How does PEPCO compare to other credit unions?
PEPCO scores 33/100, higher than 0% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (27.13% vs 59.80%).
How can I join PEPCO?
PEPCO 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 PEPCO directly for the exact boundaries and application steps.
Is my money safe at PEPCO?
PEPCO 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. PEPCO's net worth ratio of 7.91% 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.