Founders Bank vs Sargent
Comparing a Bank in Washington, DC with a Credit Union in Washington, DC using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Founders Bank ↗ Bank · Washington, DC · Est. 2020 | Sargent ↗ Credit Union · Washington, DC · Est. 1954 | |
|---|---|---|
| Trust Grade | A · 94/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Washington, DC | Washington, DC |
| Total assets | $382.4M | $267,979 |
| Capital ratio | 14.1% | 15.2% |
| Return on assets | 0.5% | 1.3% |
| Deposits | $312.1M | — |
| Branches | 1 | 391 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 4 | #1 of 27 |
| Established | 2020 | 1954 |
Founders Bank
- Assets: $382.4M
- Deposits: $312.1M
- Capital ratio: 14.1%
- Return on assets: 0.5%
- CFPB complaints: 0
- State rank: #2 of 4
Sargent
- Assets: $267,979
- Members: 391
- Capital ratio: 15.2%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #1 of 27
Are both institutions federally insured?
Yes. Founders Bank is FDIC-insured and Sargent is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Founders Bank or Sargent?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Sargent scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Founders Bank safe?
Yes — Founders Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (94/100), reflecting its financial strength and complaint history relative to peers.
Is Sargent safe?
Yes — Sargent is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Founders Bank vs Sargent?
Founders Bank has a capital ratio of 14.1%, placing it in the top 14% of $100M–1B peers. Sargent's ratio is 15.2%, placing it in the top 43% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Founders Bank have compared to Sargent?
The CFPB database shows 0 complaints against Founders Bank, and 0 complaints against Sargent. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Founders Bank with other Banks in District of Columbia
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
