Federal credit union · Washington, District of Columbia · NCUA charter #24262
Phi Beta Sigma
Health score 39/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 39
- Health / 100
- $949K
- Total assets
- 1,900
- Members
- 4.4%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)36
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth100
- Liquidity (loan-to-share)90
Weighted composite: 39/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
4.36% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 4.36% | 30% |
| Delinquency Rate | 4.63% | 25% |
| Return on Assets | -12.08% | 15% |
| Member Growth | 37.18% | 15% |
| Loan-to-Share Ratio | 63.28% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Phi Beta Sigma
1,900 members and $949K in total assets sit behind Phi Beta Sigma, a federal credit union in Washington, District of Columbia, which posts a health score of 39/100 (Weak) on the five-factor composite, with $535K in outstanding loans as of Q4 2025 and a net worth ratio of 4.36% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24262 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 4.63% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers - and a 63.28% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -12.08% on net income of $-114615 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 37.18%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Association/Group) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Phi Beta Sigma financially healthy?
Phi Beta Sigma has a financial health score of 39/100 (Weak) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 4.36% 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 39/100 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 4.36% is relative to 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.
Read our methodology - how this data is sourced, computed, and verified.
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.