TellerScore

Headquartered in Washington, District of Columbia, Phi Beta Sigma Federal Credit Union is a federal credit union with $991K in total assets and $895K in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1986.

Based on its Q2 2026 filing, Phi Beta Sigma Federal Credit Union scores 49/100, which we describe as below average. That is higher than only 8% of 2,479 credit unions with under $100 million in assets. Among 28 credit unions headquartered in District of Columbia, it ranks 24th. Its strongest component is funding & liquidity (100/100; 51% loans-to-deposits, 0% uninsured), and its lowest is problem-loan coverage (0/100; 61.7%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.06%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 13.69%
Earnings94/100
Return on assets (annualized): 1.84%
Funding & liquidity100/100
Loans ÷ shares: 50.6% · 0.0% uninsured
Problem-loan coverage0/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 61.74%

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 19 points (68 → 49), mostly because the problem-loan coverage component weakened by 55 points.

TellerScore
365573Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202450
Q4 202473
Q1 202542
Q2 202568
Q3 202553
Q4 202542
Q1 202636
Q2 202649
Net worth ratio
7.00%14.31%21.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202421.62%
Q3 202413.42%
Q4 202413.01%
Q1 202513.78%
Q2 202514.19%
Q3 202513.45%
Q4 202512.08%
Q1 20269.86%
Q2 202610.06%
Delinquent loans (60+ days)
0.00%6.85%13.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.88%
Q3 20242.58%
Q4 20240.00%
Q1 202511.91%
Q2 20256.16%
Q3 202511.09%
Q4 20254.63%
Q1 20269.75%
Q2 202613.69%
Return on assets
-14.16%-5.89%2.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-1.64%
Q3 2024-14.16%
Q4 2024-13.66%
Q1 2025-0.41%
Q2 20252.38%
Q3 20250.83%
Q4 2025-1.30%
Q1 20260.23%
Q2 20261.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202649$991K10.06%13.69%1.84%50.6%
Q1 202636$970K9.86%9.75%0.23%59.1%
Q4 202542$949K12.08%4.63%-1.30%63.3%
Q3 202553$937K13.45%11.09%0.83%57.3%
Q2 202568$924K14.19%6.16%2.38%59.9%
Q1 202542$866K13.78%11.91%-0.41%64.3%
Q4 202473$839K13.01%0.00%-13.66%68.8%
Q3 202450$852K13.42%2.58%-14.16%72.0%
Q2 202472$913K21.62%0.88%-1.64%65.5%

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 ratio10.06%
17th
Problem loans13.69%
1st
Net charge-offs5.75%
1st
Return on assets1.84%
92nd
Loans to deposits50.6%
63rd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio61.7%
0th

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Deposit insurance

Is my money safe at Phi Beta Sigma Federal Credit Union?

Yes. Phi Beta Sigma Federal Credit Union is a federally insured credit union (NCUA charter #24262). 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 10.06%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Phi Beta Sigma Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Phi Beta Sigma Federal Credit Union
Type
Federal credit union
NCUA charter #
24262
RSSD ID
597498
Primary regulator
NCUA
Established
1986
Headquarters
145 Kennedy St NW, Washington, DC 20011

Quick answers

Phi Beta Sigma Federal Credit Union: common questions

Is Phi Beta Sigma Federal Credit Union NCUA insured?

Yes. Phi Beta Sigma Federal Credit Union is a federally insured credit union (NCUA charter #24262). 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 Phi Beta Sigma Federal Credit Union's TellerScore?

49 out of 100 (Below average), 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 Phi Beta Sigma Federal Credit Union have?

3 offices as of the latest NCUA data.

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