DC Federal Credit Union Washington, District of Columbia
DC Federal Credit Union is a federal credit union headquartered in Washington, DC, established in 1964 (NCUA charter 16411), and it is regulated and insured by the NCUA. At Q2 2026 it reported 10,066 members and total assets of $88.9M (down 2.1% from Q2 2025), the 12th largest of 29 credit unions headquartered in District of Columbia. Its net worth ratio was 12.92% at Q2 2026, in the well capitalized band.
Also written as DC FCU · Trade name filed with the NCUA: DC Credit Union
BankRegReports is independent of DC Federal Credit Union and never asks for online banking logins or passwords.
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
- 16411
- Headquarters
- Washington, DC
- Established
- 1964
- Total assets, Q2 2026
- $88.9M
- Assets vs Q2 2025
- -2.1%
- Members, Q2 2026
- 10,066
- Net worth ratio, Q2 2026
- 12.92%
- Latest call report
- Q2 2026, NCUA 5300 · DC Federal Credit Union call report
- Asset rank in state
- 12th of 29 in District of Columbia
- Routing number
- 254074455
- Branches
- 3
It has 272 more members than on June 30, 2025 (+2.8%). Its net worth ratio was up 0.43 percentage points from 12.49% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $22.8M of $57.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.57% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 12.92% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in District of Columbia
Credit unions merged into DC Federal Credit Union
Frequently asked about DC Federal Credit Union
How big is DC Federal Credit Union?
At Q2 2026 it reported total assets of $88.9M and 10,066 members.
Where is DC Federal Credit Union headquartered?
It is headquartered in Washington, DC, United States.
When was DC Federal Credit Union founded?
It was established in 1964, per NCUA records.
Is DC Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 16411): 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 DC Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is DC Federal Credit Union well capitalized?
Its net worth ratio was 12.92% 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 DC Federal Credit Union's delinquency ratio?
Its delinquency ratio was 2.57% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is DC Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 76.91% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Washington, DC 20003
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1964
- NCUA Charter #
- 16411
- RSSD ID
- 793487
- Members
- 10,066
- Potential members
- 1,500,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.92% | 14.31% | 39th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.09% | 0.72% | 24th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | 0.73% | 4.74% | 24th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.54% | 3.93% | 75th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 86.40% | 79.83% | 36th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.57% | 0.78% | 63rd above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.57% | 0.86% | 20th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.11% | 4.70% | 66th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 76.91% | 58.92% | 76th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$88.9M total assets against $90.8M; $74.8M total shares and deposits against $77.5M; $57.5M total loans against $59.1M.
$11.5M net worth against $11.3M.
12.92% net worth ratio against 12.49%.
76.91% loan-to-share ratio against 76.24%.
2.57% delinquency ratio against 2.06%.
0.09% return on assets against 0.53%; 0.73% return on equity against 4.27%.
4.54% net interest margin against 4.23%.
10,066 members against 9,794.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.92% | 0.09% | 2.57% | 76.91% |
| March 31, 2026 | 12.66% | 0.10% | 2.47% | 76.09% |
| December 31, 2025 | 12.82% | 0.23% | 2.70% | 76.83% |
| September 30, 2025 | 12.67% | 0.32% | 2.31% | 76.57% |
| June 30, 2025 | 12.49% | 0.53% | 2.06% | 76.24% |
| March 31, 2025 | 12.34% | 0.54% | 2.97% | 77.53% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.