Credit Union Safety Analysis
Is Pentagon Federal Credit Union Safe? McLean, Virginia
Based on its Q2 2026 NCUA 5300 call report, Pentagon Federal Credit Union has a net worth ratio of 10.72%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.07%, 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, Pentagon Federal Credit Union's net worth ratio is 10.72%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.72%
- Delinquency ratio (60+ days) (Q2 2026): 1.07%
- Return on assets (Q2 2026): 0.70%
- Loan-to-share ratio (Q2 2026): 87.81%
Pentagon Federal Credit Union (NCUA charter 227, established 1935) reported $29.20B in assets and 2,751,004 members for Q2 2026 from McLean, Virginia. It ranks 2 of 94 credit unions in Virginia by total assets. Total assets fell 2.7% from $29.99B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 24 credit unions with $10B to $100B in assets: 10.42%; middle half of peers: 9.55% to 11.84%.
Earlier filings: 10.47% for Q1 2026; 10.32% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.91%; middle half of peers: 0.64% to 1.27%.
Earlier filings: 1.33% for Q1 2026; 1.26% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.97%; middle half of peers: 0.59% to 1.31%.
Earlier filings: 1.26% for Q1 2026; 0.32% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 89.87%; middle half of peers: 81.23% to 93.33%.
Earlier filings: 89.08% for Q1 2026; 91.39% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $13.92B
- Used vehicle loans: $2.29B
- Unsecured credit card loans: $1.68B
- New vehicle loans: $1.18B
- Other unsecured loans and lines of credit: $827.1M
- Other secured non-real estate loans and lines of credit: $820.5M
- Commercial loans: $674.1M
- Non-federally guaranteed student loans: $640.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $29.20B | 10.72% | 1.07% | 0.70% | 87.81% |
| March 31, 2026 | $29.40B | 10.47% | 1.33% | 1.26% | 89.08% |
| December 31, 2025 | $29.29B | 10.19% | 1.28% | 0.54% | 90.49% |
| September 30, 2025 | $29.35B | 10.64% | 1.46% | 0.39% | 90.49% |
| June 30, 2025 | $29.99B | 10.32% | 1.26% | 0.32% | 91.39% |
| March 31, 2025 | $30.58B | 10.05% | 1.28% | 0.78% | 89.59% |
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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.
Pentagon Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 227) · FFIEC NIC profile (RSSD 546571)
Frequently asked questions
Is Pentagon Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Pentagon Federal Credit Union's net worth ratio is 10.72%, above the 7% NCUA threshold for well capitalized.
Is Pentagon Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Pentagon Federal Credit Union is a federally insured credit union (NCUA charter 227): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Pentagon Federal Credit Union's key safety ratios?
For Q2 2026, Pentagon Federal Credit Union reports net worth 10.72%, delinquency 1.07%, ROA 0.70%, loan-to-share 87.81%.
What happens to my money if Pentagon Federal Credit Union fails?
For Q2 2026, Pentagon Federal Credit Union held $25.09B in shares and deposits for 2,751,004 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.