Pentagon Federal Credit Union McLean, Virginia
Pentagon Federal Credit Union is a federal credit union headquartered in McLean, VA, established in 1935 (NCUA charter 227), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,751,004 members and total assets of $29.20B (down 2.7% from Q2 2025), the 2nd largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 10.72% at Q2 2026, in the well capitalized band.
Also written as Pentagon FCU · Trade name filed with the NCUA: PenFed
BankRegReports is independent of Pentagon Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 227
- Headquarters
- McLean, VA
- Established
- 1935
- Total assets, Q2 2026
- $29.20B
- Assets vs Q2 2025
- -2.7%
- Members, Q2 2026
- 2,751,004
- Net worth ratio, Q2 2026
- 10.72%
- Latest call report
- Q2 2026, NCUA 5300 · Pentagon Federal Credit Union call report
- Asset rank in state
- 2nd of 94 in Virginia
- Routing number
- 256078446
- Branches
- 48
It has 61,808 fewer members than on June 30, 2025 (-2.2%). Its net worth ratio was up 0.40 percentage points from 10.32% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $13.92B of $22.03B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.07% is above the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026. Its 10.72% net worth ratio is above that band's 10.42% median.
Credit unions similar in size in Virginia
Credit unions merged into Pentagon Federal Credit Union
Allus Credit Union (2022) · Nma Federal Credit Union (2022) · Aspire Federal Credit Union (2021) · Post Office Credit Union (2021) · Sperry Associates Federal Credit Union (2020) · Magnify Credit Union (2019) · McGraw Hill Federal Credit Union (2019) · Progressive Credit Union (2019)
Frequently asked about Pentagon Federal Credit Union
How big is Pentagon Federal Credit Union?
At Q2 2026 it reported total assets of $29.20B and 2,751,004 members.
Where is Pentagon Federal Credit Union headquartered?
It is headquartered in McLean, VA, United States.
When was Pentagon Federal Credit Union founded?
It was established in 1935, per NCUA records.
Is Pentagon Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 227): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Pentagon Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Pentagon Federal Credit Union well capitalized?
Its net worth ratio was 10.72% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Pentagon Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.07% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Pentagon Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.81% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- McLean, VA 22102
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 227
- RSSD ID
- 546571
- Members
- 2,751,004
- Potential members
- 342,617,520
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 24 credit unions with $10B to $100B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.55% to 11.84% | 10.72% | 10.42% | 55th above |
| Return on assets Middle half of peers: 0.59% to 1.31% | 0.70% | 0.97% | 32nd below |
| Return on equity Middle half of peers: 6.05% to 14.24% | 6.54% | 9.50% | 29th below |
| Net interest margin Middle half of peers: 2.90% to 3.44% | 2.96% | 3.17% | 31st below |
| Efficiency ratio Middle half of peers: 52.69% to 70.10% | 64.47% | 61.32% | 41st below |
| Cost of funds Middle half of peers: 1.69% to 2.02% | 1.83% | 1.88% | 56th above |
| Delinquency ratio Middle half of peers: 0.64% to 1.27% | 1.07% | 0.91% | 39th below |
| Yield on assets Middle half of peers: 4.90% to 5.36% | 4.80% | 5.07% | 14th position only |
| Loan-to-share ratio Middle half of peers: 81.23% to 93.33% | 87.81% | 89.87% | 44th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$29.20B total assets against $29.99B; $25.09B total shares and deposits against $25.94B; $22.03B total loans against $23.71B.
$3.13B net worth against $3.12B.
10.72% net worth ratio against 10.32%.
87.81% loan-to-share ratio against 91.39%.
1.07% delinquency ratio against 1.26%.
0.70% return on assets against 0.32%; 6.54% return on equity against 3.05%.
2.96% net interest margin against 3.02%.
2,751,004 members against 2,812,812.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.72% | 0.70% | 1.07% | 87.81% |
| March 31, 2026 | 10.47% | 1.26% | 1.33% | 89.08% |
| December 31, 2025 | 10.19% | 0.54% | 1.28% | 90.49% |
| September 30, 2025 | 10.64% | 0.39% | 1.46% | 90.49% |
| June 30, 2025 | 10.32% | 0.32% | 1.26% | 91.39% |
| March 31, 2025 | 10.05% | 0.78% | 1.28% | 89.59% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.