Credit Union Safety Analysis
Is Bank Fund Staff Federal Credit Union Safe? Washington, District of Columbia
Based on its Q2 2026 NCUA 5300 call report, Bank Fund Staff Federal Credit Union has a net worth ratio of 13.64%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.42%, 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, Bank Fund Staff Federal Credit Union's net worth ratio is 13.64%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.64%
- Delinquency ratio (60+ days) (Q2 2026): 0.42%
- Return on assets (Q2 2026): 1.10%
- Loan-to-share ratio (Q2 2026): 62.83%
Bank Fund Staff Federal Credit Union (NCUA charter 5582, established 1947) reported $7.06B in assets and 105,152 members for Q2 2026 from Washington, District of Columbia. It is the largest of 29 credit unions in District of Columbia by total assets. Total assets grew 5.3% from $6.70B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 13.36% for Q1 2026; 13.36% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.24% for Q1 2026; 0.41% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.95% for Q1 2026; 0.77% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 62.16% for Q1 2026; 63.99% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $3.52B
- Unsecured credit card loans: $99.8M
- Other unsecured loans and lines of credit: $81.8M
- Used vehicle loans: $75.0M
- New vehicle loans: $45.1M
- Non-federally guaranteed student loans: $2.0M
- Other secured non-real estate loans and lines of credit: $1.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $7.06B | 13.64% | 0.42% | 1.10% | 62.83% |
| March 31, 2026 | $7.06B | 13.36% | 0.24% | 0.95% | 62.16% |
| December 31, 2025 | $6.98B | 13.28% | 0.39% | 0.93% | 62.68% |
| September 30, 2025 | $6.78B | 13.42% | 0.37% | 0.88% | 63.33% |
| June 30, 2025 | $6.70B | 13.36% | 0.41% | 0.77% | 63.99% |
| March 31, 2025 | $6.67B | 13.23% | 0.25% | 0.70% | 63.70% |
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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.
Bank Fund Staff Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 5582) · FFIEC NIC profile (RSSD 561471)
Frequently asked questions
Is Bank Fund Staff Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Bank Fund Staff Federal Credit Union's net worth ratio is 13.64%, above the 7% NCUA threshold for well capitalized.
Is Bank Fund Staff Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Bank Fund Staff Federal Credit Union is a federally insured credit union (NCUA charter 5582): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Bank Fund Staff Federal Credit Union's key safety ratios?
For Q2 2026, Bank Fund Staff Federal Credit Union reports net worth 13.64%, delinquency 0.42%, ROA 1.10%, loan-to-share 62.83%.
What happens to my money if Bank Fund Staff Federal Credit Union fails?
For Q2 2026, Bank Fund Staff Federal Credit Union held $6.08B in shares and deposits for 105,152 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.