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.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,117 of 4,374 health · 2025Q4Phi Beta Sigma · health 58/100 · $949K · 2025Q4
- CAMELS 58/100
- HEALTH 9.9%
- NW 4.63%
- DELQ -12.08%
- ROA $949K
- ASSETS 1,900
- MEM #4,117/4,374
- RANK n/a
- PHOTO 24262
Call Report peers
Phi Beta Sigma carries $949K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Charter #24262's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for DC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Phi Beta Sigma
Phi Beta Sigma: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $949K (2025Q4) to $970K (2026Q1).
- Net-worth ratio shifted -2.22 pp (12.08% → 9.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Two NCUA Call Report peer sets for Phi Beta Sigma, both outside District of Columbia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
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
- 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 Phi Beta Sigma financially healthy?
Phi Beta Sigma has a financial health score of 58/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,117 of 4,374; by total assets it ranks #4,247 of 4,374 nationally (same basis as /rankings/largest); and #24 of 29 within District of Columbia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.86% and delinquency rate of 4.63%.
How does Phi Beta Sigma compare to other credit unions?
Five weighted metrics from NCUA filings produce Phi Beta Sigma's 58/100 score on PlainCU's health composite, compared to a peer group average for Under $2M 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 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?
Federal credit unions like Phi Beta Sigma 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. Phi Beta Sigma's net worth ratio of 9.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Phi Beta Sigma offer compared to banks?
Credit unions like Phi Beta Sigma 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 Phi Beta Sigma 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.