Phi Beta Sigma Federal Credit Union Washington, District of Columbia
Phi Beta Sigma Federal Credit Union is a federal credit union headquartered in Washington, DC, established in 1986 (NCUA charter 24262), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,056 members and total assets of $991K (up 7.2% from Q2 2025), the 24th largest of 29 credit unions headquartered in District of Columbia. Its net worth ratio was 10.06% at Q2 2026, in the well capitalized band.
Also written as Phi Beta Sigma FCU
BankRegReports is independent of Phi Beta Sigma 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
- 24262
- Headquarters
- Washington, DC
- Established
- 1986
- Total assets, Q2 2026
- $991K
- Assets vs Q2 2025
- +7.2%
- Members, Q2 2026
- 2,056
- Net worth ratio, Q2 2026
- 10.06%
- Latest call report
- Q2 2026, NCUA 5300 · Phi Beta Sigma Federal Credit Union call report
- Asset rank in state
- 24th of 29 in District of Columbia
- Routing number
- 054080160
- Branches
- 3
It has 488 more members than on June 30, 2025 (+31.1%). Its net worth ratio was down 4.13 percentage points from 14.19% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $303K of $453K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 13.69% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 10.06% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in District of Columbia
Frequently asked about Phi Beta Sigma Federal Credit Union
How big is Phi Beta Sigma Federal Credit Union?
At Q2 2026 it reported total assets of $991K and 2,056 members.
Where is Phi Beta Sigma Federal Credit Union headquartered?
It is headquartered in Washington, DC, United States.
When was Phi Beta Sigma Federal Credit Union founded?
It was established in 1986, per NCUA records.
Is Phi Beta Sigma Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24262): 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 Phi Beta Sigma Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Phi Beta Sigma Federal Credit Union well capitalized?
Its net worth ratio was 10.06% 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 Phi Beta Sigma Federal Credit Union's delinquency ratio?
Its delinquency ratio was 13.69% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Phi Beta Sigma Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 50.57% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Washington, DC 20011
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1986
- NCUA Charter #
- 24262
- RSSD ID
- 597498
- Members
- 2,056
- Potential members
- 10,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 4 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 10.06% | 14.31% | 17th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 3.46% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 34.15% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | not on file | 3.93% | not on file |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | not on file | 0.78% | not on file |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 13.69% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.66% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 50.57% | 58.92% | 37th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$991K total assets against $924K; $895K total shares and deposits against $804K; $453K total loans against $482K.
$100K net worth against $133K.
10.06% net worth ratio against 14.19%.
50.57% loan-to-share ratio against 59.90%.
13.69% delinquency ratio against 6.16%.
3.46% return on assets against 5.15%; 34.15% return on equity against 35.82%.
2,056 members against 1,568.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.06% | 3.46% | 13.69% | 50.57% |
| March 31, 2026 | 9.86% | 0.23% | 9.75% | 59.07% |
| December 31, 2025 | 12.08% | -7.69% | 4.63% | 63.28% |
| September 30, 2025 | 13.45% | -2.20% | 11.09% | 57.34% |
| June 30, 2025 | 14.19% | 5.15% | 6.16% | 59.90% |
| March 31, 2025 | 13.78% | -0.41% | 11.91% | 64.30% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.