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
Call Report peers
State Department in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); State Department sits in 75-79 with 502 others.
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
Peer-gap read for State Department
- Largest lag: Loan-to-Share Ratio at 63.75% vs peer 83.90% (-20.15 pp).
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).
- One place up in Virginia, CHARTWAY (#53) scores 80/100, 1 point higher; one place down, Baylands Family (#55) ties at 79/100.
State Department Call Report trajectory
State Department: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.1% from $2.94B (2025Q4) to $2.94B (2026Q1).
- Net-worth ratio shifted +0.11 pp (10.54% → 10.65%).
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
State Department gives up 21 points in total. Member Growth costs the most, 12 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is State Department financially healthy?
On its 2025Q4 NCUA 5300 filing, State Department scores 79/100 (Very Good), with a 10.65% net worth ratio and 1.00% of loans delinquent. It ranks #2,878 of 4,374 nationally on health and #54 of 95 in Virginia.
How does State Department compare to other credit unions?
State Department scores 79/100, higher than 33% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (63.75% vs 83.90%).
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?
State Department is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.