credit union

Pepco

Washington, DC · Est. 1935
F
Trust Grade
Weak
Score: 58/100

Pepco is a credit union based in Washington, District of Columbia, established in 1935, with $33 million in total assets serving 1,984 members. By Trust Grade it ranks 26th of 27 credit unions we track in District of Columbia. Its net worth ratio of 7.9% trails most similarly sized credit unions (5th percentile), versus a District of Columbia median of 10.5%. It posted a loss over the most recent period (-2.01% return on assets), a point to watch. No consumer complaints against Pepco appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$33.4M
<$100M institution
Members
1,984
Shares & deposits
—
Net worth ratio
7.9%
Bottom 5% of <$100M peers · District of Columbia median 10.5%
Return on assets
-2.0%
Bottom 5% of <$100M peers · District of Columbia median 0.25%
Rank in District of Columbia
#26
of 27 credit unions

How Pepco compares to District of Columbia peers

Net worth ratio
Bottom 5% of <$100M peers
Pepco
7.9%
District of Columbia median
10.5%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 5% of <$100M peers
Pepco
-2.0%
District of Columbia median
0.3%
Higher ROA = more profitable relative to asset base

How we graded Pepco

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

Financial strength
58/100
Customer experience
n/a
Overall
F · 58
  • Well-capitalized (7.9% capital ratio)
  • Unprofitable over the period (ROA -2.01%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

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

Are deposits at Pepco insured?

Yes. Pepco 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.

Pepco: frequently asked questions

Is Pepco a good credit union?

Pepco earns a Bankzia Trust Grade of F (58/100, "Weak"), based on a financial-strength score of 58/100 (it has no CFPB complaints on record). Well-capitalized (7.9% capital ratio); Unprofitable over the period (ROA -2.01%).

Is Pepco NCUA-insured?

Yes. Pepco 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 Pepco?

Pepco holds $33 million in total assets, ranking 26th of 27 credit unions we track in District of Columbia. It serves 1,984 members.

Does Pepco have CFPB complaints?

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

Similar Credit Unions

Government Printing Office
credit union · Washington, DC · $30M assets
Gsa
credit union · Washington, DC · $39M assets
Hud
credit union · Washington, DC · $45M assets
District Of Columbia Teachers
credit union · Washington, DC · $49M assets
Afl Cio Employees
credit union · Washington, DC · $50M assets
Georgetown University Alumni And St
credit union · Washington, DC · $14M assets

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.

From the Blog

View all guides →
Stacks of coins of increasing height — representing savings held at a bank
Banking Guides
How Much Money Should You Keep in One Bank?
FDIC and NCUA insurance covers $250,000 per depositor, per ownership category, per institution. Here's how to think about how much to keep at a single bank — and when to spread it out.
June 25, 2026 · 4 min read
A jar of coins with a small plant growing out of it — representing savings growth
Banking Guides
High-Yield Savings Accounts: What to Know in 2026
High-yield savings accounts can pay many times the national average rate — with the same FDIC insurance as any other deposit. Here's how they work and what to watch for.
June 25, 2026 · 4 min read
A person using a card reader at a counter — representing everyday banking
Banking Guides
Are Credit Unions Safer Than Banks?
Credit unions and banks are insured by different agencies but to the same $250,000 limit. Here's what 'safer' really means — and where the two genuinely differ.
June 25, 2026 · 4 min read
A person reviewing finances on a laptop with a notebook — representing switching banks
Banking Guides
How to Switch Banks Without the Headache
Switching banks sounds painful, but a clean move comes down to a short checklist: open the new account, move your automatic payments, then close the old one carefully.
June 25, 2026 · 5 min read
Financial data on a computer screen showing bank performance metrics
State Guides
Most Trustworthy Banks in Wisconsin (2026)
We analyzed all 154 FDIC-insured banks headquartered in Wisconsin using financial strength and CFPB complaint data. Here are the most trustworthy banks in the state.
June 25, 2026 · 8 min read
Person using a contactless payment card at a terminal
State Guides
Most Trustworthy Credit Unions in Wisconsin (2026)
We analyzed all 99 NCUA-insured credit unions in Wisconsin by net worth ratio, ROA, and CFPB complaint data. Here are the most trustworthy.
June 25, 2026 · 7 min read
Stacked financial documents representing bank complaint records
State Guides
Banks to Avoid in Wisconsin: Lowest Trust Grade Ratings (2026)
2 banks in Wisconsin earned a D or F Trust Grade. Here are the lowest-rated FDIC-insured banks in the state — and what the warning signs mean for depositors.
June 25, 2026 · 7 min read
Customer service interaction at a financial institution
State Guides
Credit Unions to Avoid in Wisconsin: Lowest Trust Grade Ratings (2026)
1 credit unions in Wisconsin earned a D or F Trust Grade. Here are the lowest-rated NCUA-insured credit unions in the state — and what the warning signs mean.
June 25, 2026 · 7 min read
Financial data on a computer screen showing bank performance metrics
State Guides
Most Trustworthy Banks in Michigan (2026)
We analyzed all 73 FDIC-insured banks headquartered in Michigan using financial strength and CFPB complaint data. Here are the most trustworthy banks in the state.
June 25, 2026 · 8 min read