Federal credit union · Washington, District of Columbia · NCUA charter #24262
Phi Beta Sigma
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $949K
- Total assets
- 1,900
- Members
- 9.9%
- Net-worth ratio
Phi Beta Sigma scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $949K; members 1,900; net-worth ratio 9.86%; health rank #4,117 of 4,374; healthier than 6th of scored peers.
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NCUA 5300 Call Report Masthead
#4,117 of 4,374 health · 2025Q4Phi Beta Sigma · health 58/100 · $949K · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Phi Beta Sigma vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Phi Beta Sigma sits in 55-59 with 115 others.
58 6th percentile higher than 6% 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
Phi Beta Sigma vs Under $2M peers
- Loan-to-Share Ratio leads the peer set - 63.28% here, 52.70% peer average (+10.58 pp).
- Widest shortfall vs peers is Net Worth Ratio: -13.07 pp (9.86% vs 22.93%).
Where Phi Beta Sigma sits in District of Columbia
- District of Columbia health ordinal: #24 of 29.
- District of Columbia assets place: #24 of 29.
- District of Columbia membership ordinal: #21 of 29.
- One place up in District of Columbia, Department of the Interior (#23) scores 60/100, 2 points higher; one place down, HUD (#25) scores 55/100, 3 points lower.
Quarter path for Phi Beta Sigma
Phi Beta Sigma: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $949K (2025Q4) to $970K (2026Q1).
- Net-worth ratio shifted -2.22 pp (12.08% → 9.86%).
9.86% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 58/100 score is built
Phi Beta Sigma gives up 42 points in total. Delinquency Rate costs the most, 25 of its 25; Member Growth scores full marks.
- Net Worth Ratio 29.6 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.4 pts
Call Report ratios for Phi Beta Sigma
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.86% | -13.07 pp |
| Delinquency Rate | 4.63% | +0.15 pp |
| Return on Assets | -12.08% | -12.30 pp |
| Member Growth | 37.18% | - |
| Loan-to-Share Ratio | 63.28% | +10.58 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $970K | - |
| 2025Q4 | $949K | 1,900 |
| 2024Q4 | $839K | 1,385 |
| 2023Q4 | $925K | 1,191 |
Credit Union Details
- Charter Number
- 24262
- Type
- Federal
- Field of Membership
- Association/Group
- Peer Group
- Under $2M
- State
- District of Columbia
- City
- Washington
- Data Quarter
- 2025Q4
Branch Locations (3)
Phi Beta Sigma operates 3 offices in Washington, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Phi Beta Sigma Headquarters (Main Office) | Washington, DC |
| Phi Beta Sigma Federal Credit Union | Washington, DC |
| Phi Beta Sigma Alpha Sigma Chapter House | 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.
Phi Beta Sigma nationwide neighbourhoods
Similar health score
Using this data
- Phi Beta Sigma ranks #4,117 of 4,374 nationally on financial health and #24 of 29 in DC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mt. Airy Baptist Church is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mt. Airy Baptist Church
Frequently Asked Questions
Is Phi Beta Sigma financially healthy?
Phi Beta Sigma has a financial health score of 58/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,117 of 4,374 nationally on health and #24 of 29 in District of Columbia. Its net worth ratio is 9.86% and its delinquency rate 4.63%.
How does Phi Beta Sigma compare to other credit unions?
Phi Beta Sigma scores 58/100, higher than 6% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (63.28% vs 52.70%). Its widest shortfall is net worth ratio (9.86% vs 22.93%).
How can I join Phi Beta Sigma?
Phi Beta Sigma serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Phi Beta Sigma directly for the current list of qualifying groups.
Is my money safe at Phi Beta Sigma?
Phi Beta Sigma 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. Phi Beta Sigma's net worth ratio of 9.86% 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.