Credit Union Safety Analysis
Is DC Federal Credit Union Safe? Washington, District of Columbia
Based on its Q2 2026 NCUA 5300 call report, DC Federal Credit Union has a net worth ratio of 12.92%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.57%, 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, DC Federal Credit Union's net worth ratio is 12.92%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.92%
- Delinquency ratio (60+ days) (Q2 2026): 2.57%
- Return on assets (Q2 2026): 0.09%
- Loan-to-share ratio (Q2 2026): 76.91%
DC Federal Credit Union (NCUA charter 16411, established 1964) reported $88.9M in assets and 10,066 members for Q2 2026 from Washington, District of Columbia. It ranks 12 of 29 credit unions in District of Columbia by total assets. Total assets fell 2.1% from $90.8M on June 30, 2025. 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.
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: 12.66% for Q1 2026; 12.49% 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: 2.47% for Q1 2026; 2.06% 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: 0.10% for Q1 2026; 0.53% 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: 76.09% for Q1 2026; 76.24% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $22.8M
- Used vehicle loans: $12.1M
- Other unsecured loans and lines of credit: $8.5M
- Commercial loans: $5.1M
- Non-federally guaranteed student loans: $3.3M
- New vehicle loans: $3.0M
- Unsecured credit card loans: $2.7M
- Other secured non-real estate loans and lines of credit: $117K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $88.9M | 12.92% | 2.57% | 0.09% | 76.91% |
| March 31, 2026 | $90.5M | 12.66% | 2.47% | 0.10% | 76.09% |
| December 31, 2025 | $89.2M | 12.82% | 2.70% | 0.23% | 76.83% |
| September 30, 2025 | $90.1M | 12.67% | 2.31% | 0.32% | 76.57% |
| June 30, 2025 | $90.8M | 12.49% | 2.06% | 0.53% | 76.24% |
| March 31, 2025 | $90.9M | 12.34% | 2.97% | 0.54% | 77.53% |
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Free to use. It shows DC Federal Credit Union’s latest filed figures and updates each quarter.
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.
DC Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 16411) · FFIEC NIC profile (RSSD 793487)
Frequently asked questions
Is DC Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, DC Federal Credit Union's net worth ratio is 12.92%, above the 7% NCUA threshold for well capitalized.
Is DC Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. DC Federal Credit Union is a federally insured credit union (NCUA charter 16411): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are DC Federal Credit Union's key safety ratios?
For Q2 2026, DC Federal Credit Union reports net worth 12.92%, delinquency 2.57%, ROA 0.09%, loan-to-share 76.91%.
What happens to my money if DC Federal Credit Union fails?
For Q2 2026, DC Federal Credit Union held $74.8M in shares and deposits for 10,066 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.