Federal credit union · Alexandria, Virginia · NCUA charter #624
United States Senate
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $1.52B
- Total assets
- 52,801
- Members
- 7.5%
- Net-worth ratio
United States Senate scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.52B; members 52,801; net-worth ratio 7.46%; health rank #4,190 of 4,374; healthier than 4th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,190 of 4,374 health · 2025Q4United States Senate · health 55/100 · $1.52B · 2025Q4
- CHARTER 55/100
- NCUSIF 7.5%
- CAMELS 1.62%
- HEALTH -0.42%
- NW $1.52B
- DELQ 52,801
- ROA #4,190/4,374
- ASSETS Credit Union 1
- MEM 624
Call Report peers
United States Senate in the assets neighbourhood
United States Senate's $1.52B assets sit next to Credit Union 1 ($1.53B) 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.
United States Senate 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
55 4th percentile higher than 4% 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
United States Senate - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #624, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
United States Senate: Call Report deltas vs peers
- Net Worth Ratio trails the peer set - 7.46% here, 11.18% peer average (-3.72 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where United States Senate sits in Virginia
- In Virginia, health place is #91 of 95 on the same NCUA-ratio sort used nationally.
- By total assets, United States Senate is #12 of 95 in Virginia.
- Membership ranks #16 of 95 among Virginia CUs with a reported count (52,801 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.
Quarter path for United States Senate
United States Senate: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $1.52B (2025Q4) to $1.55B (2026Q1).
- Net-worth ratio shifted -0.13 pp (7.59% → 7.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 7.46% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 55/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 55.
- Net Worth Ratio 23.7 pts
- Delinquency Rate 15.3 pts
- Return on Assets 0.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.46% | -3.72 pp |
| Delinquency Rate | 1.62% | +0.75 pp |
| Return on Assets | -0.42% | -0.93 pp |
| Member Growth | -14.49% | - |
| Loan-to-Share Ratio | 80.33% | -3.57 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.55B | - |
| 2025Q4 | $1.52B | 52,801 |
| 2024Q4 | $1.53B | 61,745 |
| 2023Q4 | $1.46B | 61,527 |
Credit Union Details
- Charter Number
- 624
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Virginia
- City
- Alexandria
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for United States Senate, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Bertie Bowman Building (Main Office) | Alexandria, VA |
| Eisenhower | Alexandria, VA |
| GAO | Washington, DC |
| Senate Hart | Washington, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
- UNIVERSITY OF VA COMMUNITY CUCharlottesville, VA · Over $500M98Health
- FREEDOM FIRSTRoanoke, VA · Over $500M89Health
- JUSTICEChantilly, VA · Over $500M88Health
- 1ST ADVANTAGENewport News, VA · Over $500M93Health
- DUPONT COMMUNITYWaynesboro, VA · Over $500M95Health
Compare United States Senate vs UNIVERSITY OF VA COMMUNITY CU
Other-state peers near United States Senate
United States Senate's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.52B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (55/100 here).
Using this data
- United States Senate ranks #4,190 of 4,374 nationally on financial health and #91 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- University of Va Community Cu is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with University of Va Community Cu
- 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 United States Senate financially healthy?
A 7.46% net worth ratio and a 1.62% delinquency rate feed into United States Senate's financial health score of 55/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,190 of 4,374; by total assets it ranks #313 of 4,374 nationally (same basis as /rankings/largest); and #12 of 95 within Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does United States Senate compare to other credit unions?
United States Senate scores 55/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 United States Senate?
United States Senate 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 United States Senate directly for the current list of qualifying groups.
Is my money safe at United States Senate?
Federal credit unions like United States Senate 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. United States Senate's net worth ratio of 7.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does United States Senate offer compared to banks?
Credit unions like United States Senate 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 United States Senate 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.