Bank Fund Staff Federal Credit Union Washington, District of Columbia
Bank Fund Staff Federal Credit Union is a federal credit union headquartered in Washington, DC, established in 1947 (NCUA charter 5582), and it is regulated and insured by the NCUA. At Q2 2026 it reported 105,152 members and total assets of $7.06B (up 5.3% from Q2 2025), the largest of 29 credit unions headquartered in District of Columbia. Its net worth ratio was 13.64% at Q2 2026, in the well capitalized band.
Also written as Bank Fund Staff FCU · Trade names filed with the NCUA: BankFund and BFSFCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 5582
- Headquarters
- Washington, DC
- Established
- 1947
- Total assets, Q2 2026
- $7.06B
- Assets vs Q2 2025
- +5.3%
- Members, Q2 2026
- 105,152
- Net worth ratio, Q2 2026
- 13.64%
- Latest call report
- Q2 2026, NCUA 5300 · Bank Fund Staff Federal Credit Union call report
- Asset rank in state
- 1st of 29 in District of Columbia
- Routing number
- 254074170
- Branches
- 4
It has 2,042 more members than on June 30, 2025 (+2.0%). Its net worth ratio was up 0.28 percentage points from 13.36% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.52B of $3.82B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.42% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.64% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in District of Columbia
Frequently asked about Bank Fund Staff Federal Credit Union
How big is Bank Fund Staff Federal Credit Union?
At Q2 2026 it reported total assets of $7.06B and 105,152 members.
Where is Bank Fund Staff Federal Credit Union headquartered?
It is headquartered in Washington, DC, United States.
When was Bank Fund Staff Federal Credit Union founded?
It was established in 1947, per NCUA records.
Is Bank Fund Staff Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 5582): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Bank Fund Staff Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Bank Fund Staff Federal Credit Union well capitalized?
Its net worth ratio was 13.64% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Bank Fund Staff Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.42% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Bank Fund Staff Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 62.83% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Washington, DC 20006
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1947
- NCUA Charter #
- 5582
- RSSD ID
- 561471
- Members
- 105,152
- Potential members
- 166,525
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.64% | 10.89% | 83rd top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.10% | 0.89% | 65th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 8.08% | 8.07% | 50th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.51% | 3.45% | under 10th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 60.15% | 70.59% | 82nd top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.36% | 1.68% | 76th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.42% | 0.68% | 78th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 3.87% | 5.12% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 62.83% | 88.03% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$7.06B total assets against $6.70B; $6.08B total shares and deposits against $5.80B; $3.82B total loans against $3.71B.
$963.0M net worth against $895.7M.
13.64% net worth ratio against 13.36%.
62.83% loan-to-share ratio against 63.99%.
0.42% delinquency ratio against 0.41%.
1.10% return on assets against 0.77%; 8.08% return on equity against 5.74%.
2.51% net interest margin against 2.19%.
105,152 members against 103,110.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.64% | 1.10% | 0.42% | 62.83% |
| March 31, 2026 | 13.36% | 0.95% | 0.24% | 62.16% |
| December 31, 2025 | 13.28% | 0.93% | 0.39% | 62.68% |
| September 30, 2025 | 13.42% | 0.88% | 0.37% | 63.33% |
| June 30, 2025 | 13.36% | 0.77% | 0.41% | 63.99% |
| March 31, 2025 | 13.23% | 0.70% | 0.25% | 63.70% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.