Federal credit union · Alexandria, Virginia · NCUA charter #624
United States Senate
Health score 55/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $1.52B
- Total assets
- 52,801
- Members
- 7.6%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)80
- Asset quality (delinquency)61
- Earnings (ROA)5
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 55/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.59% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.59% | 30% |
| Delinquency Rate | 1.62% | 25% |
| Return on Assets | -0.42% | 15% |
| Member Growth | -14.49% | 15% |
| Loan-to-Share Ratio | 80.33% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About United States Senate
United States Senate is a federal credit union headquartered in Alexandria, Virginia, serving 52,801 members with $1.52B in total assets and $1.13B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 55/100 (Fair), anchored by a net worth ratio of 7.59% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #624 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 1.62% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 80.33% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.42% on net income of $-6389895 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -14.49%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 $500M97Health
- FREEDOM FIRSTRoanoke, VA · Over $500M83Health
- 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
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is United States Senate financially healthy?
A 7.59% 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. 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 7.59% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.