Credit Union Safety Analysis
Is MT. Airy Baptist Church Federal Credit Union Safe? Washington, District of Columbia
Based on its Q2 2026 NCUA 5300 call report, MT. Airy Baptist Church Federal Credit Union has a net worth ratio of 41.96%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.55%, 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, MT. Airy Baptist Church Federal Credit Union's net worth ratio is 41.96%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 41.96%
- Delinquency ratio (60+ days) (Q2 2026): 1.55%
- Return on assets (Q2 2026): 1.76%
- Loan-to-share ratio (Q2 2026): 62.56%
MT. Airy Baptist Church Federal Credit Union (NCUA charter 24219, established 1985) reported $1.1M in assets and 235 members for Q2 2026 from Washington, District of Columbia. It ranks 23 of 29 credit unions in District of Columbia by total assets. Total assets fell 4.7% from $1.1M on June 30, 2025. It has 2 fewer members than on June 30, 2025 (-0.8%). Its net worth ratio was up 4.94 percentage points from 37.02% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $319K of $390K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.55% is above 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: 41.83% for Q1 2026; 37.02% 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: 1.27% for Q1 2026; 0.12% 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: 3.62% for Q1 2026; 3.44% 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: 65.79% for Q1 2026; 61.43% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $319K
- Other secured non-real estate loans and lines of credit: $71K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.1M | 41.96% | 1.55% | 1.76% | 62.56% |
| March 31, 2026 | $1.1M | 41.83% | 1.27% | 3.62% | 65.79% |
| December 31, 2025 | $1.0M | 41.71% | 0.78% | 2.96% | 69.93% |
| September 30, 2025 | $1.0M | 41.24% | — | 4.32% | 69.53% |
| June 30, 2025 | $1.1M | 37.02% | 0.12% | 3.44% | 61.43% |
| March 31, 2025 | $1.1M | 36.08% | 0.18% | 2.66% | 61.42% |
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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.
MT. Airy Baptist Church Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24219) · FFIEC NIC profile (RSSD 410391)
Frequently asked questions
Is MT. Airy Baptist Church Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, MT. Airy Baptist Church Federal Credit Union's net worth ratio is 41.96%, above the 7% NCUA threshold for well capitalized.
Is MT. Airy Baptist Church Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. MT. Airy Baptist Church Federal Credit Union is a federally insured credit union (NCUA charter 24219): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are MT. Airy Baptist Church Federal Credit Union's key safety ratios?
For Q2 2026, MT. Airy Baptist Church Federal Credit Union reports net worth 41.96%, delinquency 1.55%, ROA 1.76%, loan-to-share 62.56%.
What happens to my money if MT. Airy Baptist Church Federal Credit Union fails?
For Q2 2026, MT. Airy Baptist Church Federal Credit Union held $624K in shares and deposits for 235 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.