TellerScore

Mt Gilead Federal Credit Union (NCUA charter #6506) is based in Washington, District of Columbia. Its Q2 2026 call report shows $78K in total assets and $63K in member shares and deposits and 1 office.

Mt Gilead Federal Credit Union has a TellerScore of 93 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 2,479 credit unions with under $100 million in assets. Among 28 credit unions headquartered in District of Columbia, it ranks 2nd. Capital cushion contributes the most (100/100, 17.49%); earnings contributes the least (66/100, 1.14%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.49%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings66/100
Return on assets (annualized): 1.14%
Funding & liquidity100/100
Loans ÷ shares: 35.0% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (96 → 93), mostly because the earnings component weakened by 12 points.

TellerScore
658197Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202486
Q4 202487
Q1 202597
Q2 202596
Q3 202593
Q4 202591
Q1 202665
Q2 202693
Net worth ratio
7.00%12.26%17.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.82%
Q3 202417.13%
Q4 202417.00%
Q1 202516.74%
Q2 202516.75%
Q3 202516.59%
Q4 202517.13%
Q1 202617.52%
Q2 202617.49%
Delinquent loans (60+ days)
0.00%5.50%11.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 202611.00%
Q2 20260.00%
Return on assets
-0.10%0.78%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.10%
Q3 20240.30%
Q4 20240.38%
Q1 20251.66%
Q2 20251.46%
Q3 20251.19%
Q4 20250.93%
Q1 20261.03%
Q2 20261.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$78K17.49%0.00%1.14%35.0%
Q1 202665$76K17.52%11.00%1.03%28.9%
Q4 202591$77K17.13%0.00%0.93%31.5%
Q3 202593$79K16.59%0.00%1.19%32.7%
Q2 202596$78K16.75%0.00%1.46%32.8%
Q1 202597$76K16.74%0.00%1.66%37.2%
Q4 202487$73K17.00%0.00%0.38%34.0%
Q3 202486$72K17.13%0.00%0.30%36.9%
Q2 202483$77K15.82%0.00%-0.10%24.9%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.49%
67th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets1.14%
74th
Loans to deposits35.0%
84th
Uninsured deposits0.0%
81st
Loan-loss reserves7.20%
97th
Texas ratio0.0%
93rd

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Deposit insurance

Is my money safe at Mt Gilead Federal Credit Union?

Yes. Mt Gilead Federal Credit Union is a federally insured credit union (NCUA charter #6506). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.49%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Mt Gilead Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mt Gilead Federal Credit Union
Type
Federal credit union
NCUA charter #
6506
RSSD ID
647085
Primary regulator
NCUA
Established
1950
Headquarters
1625 13th St Nw, Washington, DC 20009

Quick answers

Mt Gilead Federal Credit Union: common questions

Is Mt Gilead Federal Credit Union NCUA insured?

Yes. Mt Gilead Federal Credit Union is a federally insured credit union (NCUA charter #6506). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Mt Gilead Federal Credit Union's TellerScore?

93 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Mt Gilead Federal Credit Union have?

1 office as of the latest NCUA data.

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