Federal credit union · ALEXANDRIA, Virginia · NCUA charter #435
State Department
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $2.94B
- Total assets
- 85,016
- Members
- 10.7%
- Net-worth ratio
State Department scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.94B; members 85,016; net-worth ratio 10.65%; health rank #2,878 of 4,374; healthier than 33rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,878 of 4,374 health · 2025Q4State Department · health 79/100 · $2.94B · 2025Q4
- CHARTER 79/100
- NCUSIF 10.7%
- CAMELS 1.00%
- HEALTH 0.33%
- NW $2.94B
- DELQ 85,016
- ROA #2,878/4,374
- ASSETS AMERICU
- MEM 435
Call Report peers
State Department in the assets neighbourhood
State Department's $2.94B assets sit next to AMERICU ($2.96B) 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.
State Department 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
79 33rd percentile higher than 33% 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
State Department - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #435 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for State Department
- Largest lag: Loan-to-Share Ratio at 63.75% vs peer 83.90% (-20.15 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
State Department in Virginia
- In Virginia, health place is #54 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #8 of 95 inside Virginia ($2.94B reported).
- Membership ranks #10 of 95 among Virginia CUs with a reported count (85,016 members).
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
State Department Call Report trajectory
State Department: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.1% from $2.94B (2025Q4) to $2.94B (2026Q1).
- Net-worth ratio shifted +0.11 pp (10.54% → 10.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.0 pts
- Return on Assets 12.5 pts
- Member Growth 3.0 pts
- Loan-to-Share Ratio 13.5 pts
State Department health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.65% | -0.53 pp |
| Delinquency Rate | 1.00% | +0.13 pp |
| Return on Assets | 0.33% | -0.18 pp |
| Member Growth | -3.34% | - |
| Loan-to-Share Ratio | 63.75% | -20.15 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
State Department filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.94B | - |
| 2025Q4 | $2.94B | 85,016 |
| 2024Q4 | $2.90B | 87,954 |
| 2023Q4 | $2.80B | 88,894 |
Credit Union Details
- Charter Number
- 435
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Virginia
- City
- ALEXANDRIA
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, State Department runs 7 offices in 4 different cities across 3 states.
| Office | City |
|---|---|
| Headquarters (Main Office) | Alexandria, VA |
| SDFCU Alexandria Branch | Alexandria, VA |
| SDFCU Rosslyn Branch | Arlington, VA |
| SDFCU Clarendon Branch | Arlington, VA |
| SDFCU Charleston Branch | Charleston, SC |
| SDFCU Ft. McNair Branch | Washington, DC |
| SDFCU State Branch | Washington, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
A look at other Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near State Department
Cross-state asset and health neighbours for State Department - kept outside Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.94B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- State Department ranks #2,878 of 4,374 nationally on financial health and #54 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BAYPORT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BAYPORT
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia 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 State Department financially healthy?
A 10.65% net worth ratio and a 1.00% delinquency rate feed into State Department's financial health score of 79/100 (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 #2,878 of 4,374; by total assets it ranks #172 of 4,374 nationally (same basis as /rankings/largest); and #8 of 95 within Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does State Department compare to other credit unions?
PlainCU's health composite puts State Department at 79/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 State Department?
State Department 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 State Department directly for the current list of qualifying groups.
Is my money safe at State Department?
Federal credit unions like State Department 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. State Department's net worth ratio of 10.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does State Department offer compared to banks?
Credit unions like State Department 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 State Department 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.