Credit Union Safety Analysis
Is Bienestar Federal Credit Union Safe? Arlington, Virginia
Based on its Q2 2026 NCUA 5300 call report, Bienestar Federal Credit Union has a net worth ratio of 14.32%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.64%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Bienestar Federal Credit Union's net worth ratio is 14.32%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.32%
- Delinquency ratio (60+ days) (Q2 2026): 0.64%
- Return on assets (Q2 2026): 0.22%
- Loan-to-share ratio (Q2 2026): 55.15%
Bienestar Federal Credit Union (NCUA charter 6464, established 1949) reported $325.8M in assets and 6,902 members for Q2 2026 from Arlington, Virginia. It ranks 30 of 94 credit unions in Virginia by total assets. Total assets grew 1.4% from $321.3M on June 30, 2025. It has 319 fewer members than on June 30, 2025 (-4.4%). Its net worth ratio was up 0.15 percentage points from 14.17% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $135.9M of $150.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.64% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 14.26% for Q1 2026; 14.17% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.64% for Q1 2026; 0.79% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.43% for Q1 2026; 0.39% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 56.07% for Q1 2026; 59.74% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $135.9M
- Other unsecured loans and lines of credit: $6.5M
- Unsecured credit card loans: $4.1M
- New vehicle loans: $1.9M
- Other secured non-real estate loans and lines of credit: $1.3M
- Used vehicle loans: $1.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $325.8M | 14.32% | 0.64% | 0.22% | 55.15% |
| March 31, 2026 | $325.8M | 14.26% | 0.64% | 0.43% | 56.07% |
| December 31, 2025 | $322.9M | 14.29% | 0.47% | 0.66% | 56.92% |
| September 30, 2025 | $321.0M | 14.27% | 1.44% | 0.34% | 58.44% |
| June 30, 2025 | $321.3M | 14.17% | 0.79% | 0.39% | 59.74% |
| March 31, 2025 | $321.6M | 14.06% | 0.53% | -0.39% | 61.79% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Bienestar Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 6464) · FFIEC NIC profile (RSSD 642389)
Frequently asked questions
Is Bienestar Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Bienestar Federal Credit Union's net worth ratio is 14.32%, above the 7% NCUA threshold for well capitalized.
Is Bienestar Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Bienestar Federal Credit Union is a federally insured credit union (NCUA charter 6464): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Bienestar Federal Credit Union's key safety ratios?
For Q2 2026, Bienestar Federal Credit Union reports net worth 14.32%, delinquency 0.64%, ROA 0.22%, loan-to-share 55.15%.
What happens to my money if Bienestar Federal Credit Union fails?
For Q2 2026, Bienestar Federal Credit Union held $273.1M in shares and deposits for 6,902 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.