Credit Union Safety Analysis
Is Afl-Cio Employees Federal Credit Union Safe? Washington, District of Columbia
Based on its Q2 2026 NCUA 5300 call report, Afl-Cio Employees Federal Credit Union has a net worth ratio of 12.45%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.86%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Afl-Cio Employees Federal Credit Union's net worth ratio is 12.45%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.45%
- Delinquency ratio (60+ days) (Q2 2026): 0.86%
- Return on assets (Q2 2026): -0.69%
- Loan-to-share ratio (Q2 2026): 88.75%
Afl-Cio Employees Federal Credit Union (NCUA charter 7992, established 1952) reported $48.4M in assets and 5,423 members for Q2 2026 from Washington, District of Columbia. It ranks 16 of 29 credit unions in District of Columbia by total assets. Total assets fell 1.9% from $49.3M on June 30, 2025. It has 35 fewer members than on June 30, 2025 (-0.6%). Its net worth ratio was down 0.20 percentage points from 12.65% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $26.2M of $37.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.86% matches the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 12.34% for Q1 2026; 12.65% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.53% for Q1 2026; 4.17% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.08% for Q1 2026; 0.04% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 85.72% for Q1 2026; 92.73% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $26.2M
- Used vehicle loans: $4.5M
- Other unsecured loans and lines of credit: $4.0M
- New vehicle loans: $2.6M
- Other secured non-real estate loans and lines of credit: $487K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $48.4M | 12.45% | 0.86% | -0.69% | 88.75% |
| March 31, 2026 | $49.5M | 12.34% | 1.53% | 0.08% | 85.72% |
| December 31, 2025 | $48.9M | 12.46% | 2.70% | -0.76% | 90.30% |
| September 30, 2025 | $52.7M | 12.33% | 2.43% | 0.01% | 92.57% |
| June 30, 2025 | $49.3M | 12.65% | 4.17% | 0.04% | 92.73% |
| March 31, 2025 | $51.0M | 12.21% | 3.49% | 0.03% | 91.15% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Afl-Cio Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 7992) · FFIEC NIC profile (RSSD 486985)
Frequently asked questions
Is Afl-Cio Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Afl-Cio Employees Federal Credit Union's net worth ratio is 12.45%, above the 7% NCUA threshold for well capitalized.
Is Afl-Cio Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Afl-Cio Employees Federal Credit Union is a federally insured credit union (NCUA charter 7992): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Afl-Cio Employees Federal Credit Union's key safety ratios?
For Q2 2026, Afl-Cio Employees Federal Credit Union reports net worth 12.45%, delinquency 0.86%, ROA -0.69%, loan-to-share 88.75%.
What happens to my money if Afl-Cio Employees Federal Credit Union fails?
For Q2 2026, Afl-Cio Employees Federal Credit Union held $42.6M in shares and deposits for 5,423 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.