credit union

Phi Beta Sigma

Washington, DC · Est. 1986
B
Trust Grade
Strong
Score: 84/100

Phi Beta Sigma is a credit union based in Washington, District of Columbia, established in 1986, with $970 thousand in total assets serving 2,000 members. By Trust Grade it ranks 14th of 27 credit unions we track in District of Columbia. Its net worth ratio of 9.9% trails most similarly sized credit unions (16th percentile), versus a District of Columbia median of 10.5%. It was profitable over the most recent period, with a 0.23% return on assets. No consumer complaints against Phi Beta Sigma appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$970K
<$100M institution
Members
2,000
Shares & deposits
—
Net worth ratio
9.9%
Bottom 16% of <$100M peers · District of Columbia median 10.5%
Return on assets
0.2%
Bottom 31% of <$100M peers · District of Columbia median 0.25%
Rank in District of Columbia
#14
of 27 credit unions

How Phi Beta Sigma compares to District of Columbia peers

Net worth ratio
Bottom 16% of <$100M peers
Phi Beta
9.9%
District of Columbia median
10.5%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 31% of <$100M peers
Phi Beta
0.2%
District of Columbia median
0.3%
Higher ROA = more profitable relative to asset base

How we graded Phi Beta Sigma

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
84/100
Customer experience
n/a
Overall
B · 84
  • Well-capitalized (9.9% capital ratio)
  • Profitable (ROA 0.23%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Phi Beta Sigma over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Phi Beta Sigma insured?

Yes. Phi Beta Sigma is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Phi Beta Sigma: frequently asked questions

Is Phi Beta Sigma a good credit union?

Phi Beta Sigma earns a Bankzia Trust Grade of B (84/100, "Strong"), based on a financial-strength score of 84/100 (it has no CFPB complaints on record). Well-capitalized (9.9% capital ratio); Profitable (ROA 0.23%).

Is Phi Beta Sigma NCUA-insured?

Yes. Phi Beta Sigma is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Phi Beta Sigma?

Phi Beta Sigma holds $1 million in total assets, ranking 14th of 27 credit unions we track in District of Columbia. It serves 2,000 members.

Does Phi Beta Sigma have CFPB complaints?

No CFPB complaints against Phi Beta Sigma appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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