Credit Union Safety Analysis
Is MT. Gilead Federal Credit Union Safe? Washington, District of Columbia
Based on its Q2 2026 NCUA 5300 call report, MT. Gilead Federal Credit Union has a net worth ratio of 17.49%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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. Gilead Federal Credit Union's net worth ratio is 17.49%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.49%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.28%
- Loan-to-share ratio (Q2 2026): 35.04%
MT. Gilead Federal Credit Union (NCUA charter 6506, established 1950) reported $78K in assets and 51 members for Q2 2026 from Washington, District of Columbia. It ranks 29 of 29 credit unions in District of Columbia by total assets. Total assets grew 0.2% from $78K on June 30, 2025. It had the same number of members on June 30, 2025. Its net worth ratio was up 0.74 percentage points from 16.75% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $22K of $22K in total loans on its June 30, 2026 filing.
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: 17.52% for Q1 2026; 16.75% 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: 11.00% for Q1 2026 .
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: 1.03% for Q1 2026; 1.29% 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: 28.90% for Q1 2026; 32.79% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $22K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $78K | 17.49% | — | 1.28% | 35.04% |
| March 31, 2026 | $76K | 17.52% | 11.00% | 1.03% | 28.90% |
| December 31, 2025 | $77K | 17.13% | — | 0.05% | 31.48% |
| September 30, 2025 | $79K | 16.59% | — | 0.70% | 32.72% |
| June 30, 2025 | $78K | 16.75% | — | 1.29% | 32.79% |
| March 31, 2025 | $76K | 16.74% | — | 1.66% | 37.20% |
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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. Gilead Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 6506) · FFIEC NIC profile (RSSD 647085)
Frequently asked questions
Is MT. Gilead Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, MT. Gilead Federal Credit Union's net worth ratio is 17.49%, above the 7% NCUA threshold for well capitalized.
Is MT. Gilead Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. MT. Gilead Federal Credit Union is a federally insured credit union (NCUA charter 6506): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are MT. Gilead Federal Credit Union's key safety ratios?
For Q2 2026, MT. Gilead Federal Credit Union reports net worth 17.49%, delinquency not reported, ROA 1.28%, loan-to-share 35.04%.
What happens to my money if MT. Gilead Federal Credit Union fails?
For Q2 2026, MT. Gilead Federal Credit Union held $63K in shares and deposits for 51 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.