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Overview / Commentary
3015 University Blvd W
Kensington, MD 20895-1936

Signal Financial Credit Union is headquartered in Kensington and is the 19st largest credit union in the state of Maryland. It is also the 662nd largest credit union in the nation. It was established in 1947 and as of March of 2014, it had grown to 99 employees and 26,274 members. Signal Financial Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, attend school or worship in Washington DC or inside the Beltway in Prince George's County or be an employee of one of the several Select Employer Groups. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Signal Financial Credit Union had $3.44 million in non-current loans and owned real-estate with $37.55 million in equity and loan loss allowances on hand to cover it. This gives Signal Financial Credit Union a Texas Ratio of 9.15% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Signal Financial Credit Union experienced no significant changes from 9.13% as of March 31, 2013 to 9.15% as of March 31, 2014, resulting in a negative change of 0.21%. This indicates that the balance sheet and financial strength for Signal Financial Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Signal Financial Credit Union has increased its total deposits by $5.73 million, resulting in 2.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Signal Financial Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Signal Financial Credit Union has $323.15 million in assets with $37.55 million in equity, resulting in a capitalization level of 11.62%, which is excellent.

Institution Statistics

NCUA #5571
Year Chartered1947
Primary Regulator
Assets and Liabilities
Assets$323.16 million
Loans$207.76 million
Deposits$284.47 million
Equity Capital$35.14 million
Loan Loss Allowance$2.41 million
Unbacked Noncurrent Loans$3.33 million
Real Estate Owned$102,000
Historic Data - March 2013
Assets$318.26 million
Equity Capital$34.20 million
Loan Loss Allowance$2.98 million
Unbacked Noncurrent Loans$3.33 million
Real Estate Owned$381,000
Profit Margin - Quarterly
Return on Assets-0.09%
Return on Equity-0.83%
Interest Income$2.79 million

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Signal Financial Credit Union Savings Account Rates

0.50%$2k-IRA Share Account
0.35%-$2kIRA Accumulation Account
0.15%$50-Share Savings Account
0.15%--Holiday Club Account
0.15%--Personal Savings Plan
0.15%$50-Teen Cache Account
0.15%--Vacation Club Account
0.15%$25-Dollar Dog Youth Savings

Signal Financial Credit Union Money Market Rates

0.35%$100k-Money Market Account

Signal Financial Credit Union Checking Account Rates

0.10%$3k-Non Stop Plus Checking

Signal Financial Credit Union CD Rates

1.56%$500-72 Month CD
1.41%$500-60 Month CD
1.36%$500-48 Month CD
1.11%$500-36 Month CD
0.85%$500-30 Month Bump-Up CD
0.85%$5k-24 Month Promotion CD
0.75%$500-18 Month CD
0.75%$500-24 Month Bump-Up CD
0.70%$2,500-12 Month Promotion CD
0.60%$500-12 Month CD
0.35%$500-182 Day CD
0.20%$500-31 Day CD
0.20%$500-91 Day CD

Signal Financial Credit Union IRA Rates

1.56%$2k-72 Month IRA Share Certificate
1.56%$500-72 Month CESA Certificate
1.41%$2k-60 Month IRA Share Certificate
1.41%$500-60 Month CESA Certificate
1.36%$2k-48 Month IRA Share Certificate
1.36%$500-48 Month CESA Certificate
1.16%$2k-36 Month IRA Share Certificate
1.16%$500-36 Month CESA Certificate
0.90%$2k-30 Month IRA Share Certificate
0.90%$500-30 Month CESA Certificate
0.80%$2k-18 Month IRA Share Certificate
0.80%$2k-24 Month IRA Share Certificate
0.80%$500-18 Month CESA Certificate
0.80%$500-24 Month CESA Certificate
0.65%$2k-12 Month IRA Share Certificate
0.65%$500-12 Month CESA Certificate

Signal Financial Credit Union Locations
Branch Office12355 Sunrise Valley Dr Ste 100Reston, VA 20191-3458
Branch Office5510 Cherokee Ave Ste 130Alexandria, VA 22312-2357
Branch Office1400 Irving St NW Ste 115Washington, DC 20010-2888
Branch Office1391 Pennsylvania Ave SE Retail Space 1Washington, DC 20003-3074
Branch Office1401 I St NW Ste 110Washington, DC 20005
Branch Office9500 Arena Dr Ste 103Largo, MD 20774-3703
Branch Office3015 University Blvd WKensington, MD 20895-1936
Branch Office22001 Loudoun County PkwyAshburn, VA 20147
Branch Office13100 Columbia PikeSilver Spring, MD 20904