Credit Union Safety Analysis
Is F R B Federal Credit Union Safe? Washington, District of Columbia
Based on its Q2 2026 NCUA 5300 call report, F R B Federal Credit Union has a net worth ratio of 9.38%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.41%, 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, F R B Federal Credit Union's net worth ratio is 9.38%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.38%
- Delinquency ratio (60+ days) (Q2 2026): 1.41%
- Return on assets (Q2 2026): 0.08%
- Loan-to-share ratio (Q2 2026): 72.09%
F R B Federal Credit Union (NCUA charter 320, established 1935) reported $123.4M in assets and 5,748 members for Q2 2026 from Washington, District of Columbia. It ranks 10 of 29 credit unions in District of Columbia by total assets. Total assets fell 2.2% from $126.2M on June 30, 2025. It has 15 more members than on June 30, 2025 (+0.3%). Its net worth ratio was up 0.35 percentage points from 9.03% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $64.5M of $80.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.41% is above 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: 9.30% for Q1 2026; 9.03% 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: 1.03% for Q1 2026; 1.12% 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: 0.23% for Q1 2026; 0.33% 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: 72.66% for Q1 2026; 75.42% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $64.5M
- Used vehicle loans: $5.6M
- Other unsecured loans and lines of credit: $4.2M
- New vehicle loans: $2.8M
- Unsecured credit card loans: $2.1M
- Non-federally guaranteed student loans: $712K
- Other secured non-real estate loans and lines of credit: $70K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $123.4M | 9.38% | 1.41% | 0.08% | 72.09% |
| March 31, 2026 | $124.2M | 9.30% | 1.03% | 0.23% | 72.66% |
| December 31, 2025 | $126.7M | 9.07% | 1.18% | -0.16% | 73.49% |
| September 30, 2025 | $122.6M | 9.43% | 0.97% | 0.54% | 76.81% |
| June 30, 2025 | $126.2M | 9.03% | 1.12% | 0.33% | 75.42% |
| March 31, 2025 | $130.9M | 8.62% | 0.95% | 0.42% | 73.00% |
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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.
F R B Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 320) · FFIEC NIC profile (RSSD 577678)
Frequently asked questions
Is F R B Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, F R B Federal Credit Union's net worth ratio is 9.38%, above the 7% NCUA threshold for well capitalized.
Is F R B Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. F R B Federal Credit Union is a federally insured credit union (NCUA charter 320): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are F R B Federal Credit Union's key safety ratios?
For Q2 2026, F R B Federal Credit Union reports net worth 9.38%, delinquency 1.41%, ROA 0.08%, loan-to-share 72.09%.
What happens to my money if F R B Federal Credit Union fails?
For Q2 2026, F R B Federal Credit Union held $110.9M in shares and deposits for 5,748 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.