Credit Union Safety Analysis
Is Census Federal Credit Union Safe? Washington, District of Columbia
Based on its Q2 2026 NCUA 5300 call report, Census Federal Credit Union has a net worth ratio of 20.62%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.38%, 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, Census Federal Credit Union's net worth ratio is 20.62%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.62%
- Delinquency ratio (60+ days) (Q2 2026): 0.38%
- Return on assets (Q2 2026): 1.30%
- Loan-to-share ratio (Q2 2026): 28.53%
Census Federal Credit Union (NCUA charter 5641, established 1948) reported $48.9M in assets and 2,012 members for Q2 2026 from Washington, District of Columbia. It ranks 15 of 29 credit unions in District of Columbia by total assets. Total assets fell 3.7% from $50.8M on June 30, 2025. It has 118 fewer members than on June 30, 2025 (-5.5%). Its net worth ratio was up 1.60 percentage points from 19.02% on June 30, 2025. New vehicle loans are its largest loan category, $3.7M of $11.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.38% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 20.00% for Q1 2026; 19.02% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.66% for Q1 2026; 0.73% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.06% for Q1 2026; 0.36% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 27.53% for Q1 2026; 29.49% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $3.7M
- Used vehicle loans: $3.6M
- 1- to 4-family residential and other consumer real estate loans: $3.2M
- Other unsecured loans and lines of credit: $655K
- Other secured non-real estate loans and lines of credit: $59K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $48.9M | 20.62% | 0.38% | 1.30% | 28.53% |
| March 31, 2026 | $49.6M | 20.00% | 1.66% | 1.06% | 27.53% |
| December 31, 2025 | $49.7M | 19.72% | 0.21% | 0.88% | 29.20% |
| September 30, 2025 | $50.2M | 19.29% | 0.36% | 0.20% | 29.77% |
| June 30, 2025 | $50.8M | 19.02% | 0.73% | 0.36% | 29.49% |
| March 31, 2025 | $51.9M | 18.54% | 0.39% | 0.49% | 28.63% |
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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.
Census Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 5641) · FFIEC NIC profile (RSSD 880770)
Frequently asked questions
Is Census Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Census Federal Credit Union's net worth ratio is 20.62%, above the 7% NCUA threshold for well capitalized.
Is Census Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Census Federal Credit Union is a federally insured credit union (NCUA charter 5641): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Census Federal Credit Union's key safety ratios?
For Q2 2026, Census Federal Credit Union reports net worth 20.62%, delinquency 0.38%, ROA 1.30%, loan-to-share 28.53%.
What happens to my money if Census Federal Credit Union fails?
For Q2 2026, Census Federal Credit Union held $39.2M in shares and deposits for 2,012 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.