Federal credit union · WASHINGTON, District of Columbia · NCUA charter #9613
SARGENT
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $276K
- Total assets
- 391
- Members
- 15.2%
- Net-worth ratio
SARGENT scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $276K; members 391; net-worth ratio 15.24%; health rank #3,987 of 4,374; healthier than 8th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,987 of 4,374 health · 2025Q4SARGENT · health 62/100 · $276K · 2025Q4
- RANK 62/100
- PHOTO 15.2%
- BOOK 8.22%
- CHARTER 0.58%
- NCUSIF $276K
- CAMELS 391
- HEALTH #3,987/4,374
- NW n/a
- DELQ 9613
Call Report peers
SARGENT carries $276K 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.
SARGENT 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
62 8th percentile higher than 8% 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
SARGENT - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9613, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for SARGENT
- Largest favorable gap: Return on Assets at 0.58% vs peer 0.22% (+0.36 pp).
- Loan-to-Share Ratio trails the peer set - 23.89% here, 52.70% peer average (-28.81 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
District of Columbia standing for SARGENT
- Health composite ranks #22 of 29 among scored District of Columbia credit unions.
- District of Columbia assets place: #25 of 29.
- Membership ranks #23 of 29 among District of Columbia CUs with a reported count (391 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.
SARGENT Call Report trajectory
SARGENT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.8% from $276K (2025Q4) to $268K (2026Q1).
- Net-worth ratio shifted +0.64 pp (14.60% → 15.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 15.24% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 62/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 8.0 pts
SARGENT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.24% | -7.69 pp |
| Delinquency Rate | 8.22% | +3.74 pp |
| Return on Assets | 0.58% | +0.36 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 23.89% | -28.81 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).
SARGENT quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $268K | - |
| 2025Q4 | $276K | 391 |
| 2024Q4 | $292K | 391 |
| 2023Q4 | $277K | 392 |
Credit Union Details
- Charter Number
- 9613
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- District of Columbia
- City
- WASHINGTON
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for SARGENT.
| Office | City |
|---|---|
| Sargent FCU (Main Office) | Washington, DC |
| Industrial Bank Safe deposit box | Washington, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in District of Columbia
Other federally-insured credit unions in District of Columbia, closest first by peer group and asset size.
Other-state peers near SARGENT
SARGENT's nationwide photo peers by assets and by health score, excluding District of Columbia charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
Using this data
- SARGENT ranks #3,987 of 4,374 nationally on financial health and #22 of 29 in DC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pmi Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pmi Employees
- 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 SARGENT financially healthy?
SARGENT has a financial health score of 62/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,987 of 4,374; by total assets it ranks #4,336 of 4,374 nationally (same basis as /rankings/largest); and #25 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 15.24% and delinquency rate of 8.22%.
How does SARGENT compare to other credit unions?
On PlainCU's health composite, SARGENT lands at 62/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 SARGENT?
SARGENT 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 SARGENT directly for the exact boundaries and application steps.
Is my money safe at SARGENT?
Federal credit unions like SARGENT 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. SARGENT's net worth ratio of 15.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SARGENT offer compared to banks?
Credit unions like SARGENT 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 SARGENT 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.