Credit Union Safety Analysis
Is Phi Beta Sigma Federal Credit Union Safe? Washington, District of Columbia
Based on its Q2 2026 NCUA 5300 call report, Phi Beta Sigma Federal Credit Union has a net worth ratio of 10.06%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 13.69%, 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, Phi Beta Sigma Federal Credit Union's net worth ratio is 10.06%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.06%
- Delinquency ratio (60+ days) (Q2 2026): 13.69%
- Return on assets (Q2 2026): 3.46%
- Loan-to-share ratio (Q2 2026): 50.57%
Phi Beta Sigma Federal Credit Union (NCUA charter 24262, established 1986) reported $991K in assets and 2,056 members for Q2 2026 from Washington, District of Columbia. It ranks 24 of 29 credit unions in District of Columbia by total assets. Total assets grew 7.2% from $924K on June 30, 2025. 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.
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: 9.86% for Q1 2026; 14.19% 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: 9.75% for Q1 2026; 6.16% 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: 0.23% for Q1 2026; 5.15% 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: 59.07% for Q1 2026; 59.90% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $303K
- New vehicle loans: $91K
- Used vehicle loans: $59K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $991K | 10.06% | 13.69% | 3.46% | 50.57% |
| March 31, 2026 | $970K | 9.86% | 9.75% | 0.23% | 59.07% |
| December 31, 2025 | $949K | 12.08% | 4.63% | -7.69% | 63.28% |
| September 30, 2025 | $937K | 13.45% | 11.09% | -2.20% | 57.34% |
| June 30, 2025 | $924K | 14.19% | 6.16% | 5.15% | 59.90% |
| March 31, 2025 | $866K | 13.78% | 11.91% | -0.41% | 64.30% |
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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.
Phi Beta Sigma Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24262) · FFIEC NIC profile (RSSD 597498)
Frequently asked questions
Is Phi Beta Sigma Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Phi Beta Sigma Federal Credit Union's net worth ratio is 10.06%, above the 7% NCUA threshold for well capitalized.
Is Phi Beta Sigma Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Phi Beta Sigma Federal Credit Union is a federally insured credit union (NCUA charter 24262): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Phi Beta Sigma Federal Credit Union's key safety ratios?
For Q2 2026, Phi Beta Sigma Federal Credit Union reports net worth 10.06%, delinquency 13.69%, ROA 3.46%, loan-to-share 50.57%.
What happens to my money if Phi Beta Sigma Federal Credit Union fails?
For Q2 2026, Phi Beta Sigma Federal Credit Union held $895K in shares and deposits for 2,056 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.