Federal credit union · Kensington, Maryland · NCUA charter #5571
Signal Financial
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $381.3M
- Total assets
- 18,456
- Members
- 9.4%
- Net-worth ratio
Signal Financial scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $381.3M; members 18,456; net-worth ratio 9.44%; health rank #3,548 of 4,374; healthier than 18th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,548 of 4,374 health · 2025Q4Signal Financial · health 71/100 · $381.3M · 2025Q4
- BOOK 71/100
- CHARTER 9.4%
- NCUSIF 0.74%
- CAMELS 0.01%
- HEALTH $381.3M
- NW 18,456
- DELQ #3,548/4,374
- ROA Park City
- ASSETS 5571
Call Report peers
Signal Financial in the assets neighbourhood
Signal Financial's $381.3M assets sit next to Park City ($381.3M) 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.
Signal Financial 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
71 18th percentile higher than 18% 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
Signal Financial - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #5571: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Signal Financial diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +18.56 pp (90.76% vs 72.20%).
- Largest lag: Net Worth Ratio at 9.44% vs peer 12.11% (-2.67 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Signal Financial sits in Maryland
- In Maryland, health place is #49 of 62 on the same NCUA-ratio sort used nationally.
- Assets rank #23 of 62 inside Maryland ($381.3M reported).
- Maryland membership ordinal: #26 of 62.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Signal Financial: 2025Q4 → 2026Q1
Signal Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.2% from $381.3M (2025Q4) to $369.1M (2026Q1).
- Net-worth ratio shifted +0.27 pp (9.17% → 9.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.44%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 22.6 pts
- Return on Assets 4.8 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.44% | -2.67 pp |
| Delinquency Rate | 0.74% | -0.15 pp |
| Return on Assets | 0.01% | -0.62 pp |
| Member Growth | -18.14% | - |
| Loan-to-Share Ratio | 90.76% | +18.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Signal Financial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $369.1M | - |
| 2025Q4 | $381.3M | 18,456 |
| 2024Q4 | $392.4M | 22,546 |
| 2023Q4 | $410.4M | 24,230 |
Credit Union Details
- Charter Number
- 5571
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maryland
- City
- Kensington
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Signal Financial runs 4 offices in 4 different cities across 3 states.
| Office | City |
|---|---|
| Kensington (Main Office) | Kensington, MD |
| One Loudoun | Ashburn, VA |
| Leisure World | Silver Spring, MD |
| City Center - 1101 NY Ave | Washington, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
A look at other Maryland credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Signal Financial - kept outside Maryland; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($381.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Signal Financial ranks #3,548 of 4,374 nationally on financial health and #49 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WEPCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WEPCO
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland 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 Signal Financial financially healthy?
A 9.44% net worth ratio and a 0.74% delinquency rate feed into Signal Financial's financial health score of 71/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,548 of 4,374; by total assets it ranks #896 of 4,374 nationally (same basis as /rankings/largest); and #23 of 62 within Maryland. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Signal Financial compare to other credit unions?
71/100 is Signal Financial's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Signal Financial?
Signal Financial 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 Signal Financial directly for the exact boundaries and application steps.
Is my money safe at Signal Financial?
Federal credit unions like Signal Financial 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. Signal Financial's net worth ratio of 9.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Signal Financial offer compared to banks?
Credit unions like Signal Financial 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 Signal Financial 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.