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
- MEM 33/100
- RANK 7.9%
- PHOTO 5.88%
- BOOK -0.56%
- CHARTER $33.0M
- NCUSIF 1,934
- CAMELS #4,362/4,374
- HEALTH Northeast Texas Teachers
- NW 367
Call Report peers
PEPCO in the assets neighbourhood
PEPCO's $33.0M assets sit next to Northeast Texas Teachers ($33.0M) 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.
PEPCO 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
33 0th percentile in the bottom 1% 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
PEPCO - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #367. See our deposit-insurance coverage note.
PEPCO: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 27.13% vs peer 59.80% (-32.67 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for DC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PEPCO Call Report trajectory
PEPCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $33.0M (2025Q4) to $33.4M (2026Q1).
- Net-worth ratio shifted -0.61 pp (8.52% → 7.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 33.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
PEPCO's nationwide photo peers by assets and by health score, excluding District of Columbia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($33.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (33/100 here).
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
- Rates and health both vary by institution, not just by state -- see how District of Columbia credit unions compare overall before assuming this one is typical. District of Columbia 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 PEPCO financially healthy?
Yes/no aside, the number is 33/100 (Weak) - PEPCO's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,362 of 4,374; by total assets it ranks #2,781 of 4,374 nationally (same basis as /rankings/largest); and #18 of 29 within District of Columbia. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.91% net worth ratio and 5.88% delinquency rate are the key drivers.
How does PEPCO compare to other credit unions?
Five weighted metrics from NCUA filings produce PEPCO's 33/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like PEPCO 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. PEPCO's net worth ratio of 7.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PEPCO offer compared to banks?
Credit unions like PEPCO 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 PEPCO 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.