Credit Union Safety Analysis
Is O.A.S. Staff Federal Credit Union Safe? Washington, District of Columbia
Based on its Q2 2026 NCUA 5300 call report, O.A.S. Staff Federal Credit Union has a net worth ratio of 7.63%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.58%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of O.A.S. Staff Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, O.A.S. Staff Federal Credit Union's net worth ratio is 7.63%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.63%
- Delinquency ratio (60+ days) (Q2 2026): 2.58%
- Return on assets (Q2 2026): 0.17%
- Loan-to-share ratio (Q2 2026): 62.33%
O.A.S. Staff Federal Credit Union (NCUA charter 15000, established 1962) reported $282.4M in assets and 8,722 members for Q2 2026 from Washington, District of Columbia. It ranks 6 of 29 credit unions in District of Columbia by total assets. Total assets were about level with $282.6M on June 30, 2025. It has 168 fewer members than on June 30, 2025 (-1.9%). Its net worth ratio was up 0.16 percentage points from 7.47% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $127.9M of $165.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.58% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 7.40% for Q1 2026; 7.47% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 2.07% for Q1 2026; 1.50% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.07% for Q1 2026; 0.03% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 60.60% for Q1 2026; 60.51% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $127.9M
- Used vehicle loans: $13.1M
- Other secured non-real estate loans and lines of credit: $9.7M
- Other unsecured loans and lines of credit: $6.1M
- Unsecured credit card loans: $4.4M
- Non-federally guaranteed student loans: $2.0M
- New vehicle loans: $1.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $282.4M | 7.63% | 2.58% | 0.17% | 62.33% |
| March 31, 2026 | $289.7M | 7.40% | 2.07% | 0.07% | 60.60% |
| December 31, 2025 | $284.7M | 7.51% | 2.54% | 0.25% | 61.92% |
| September 30, 2025 | $279.9M | 7.58% | 1.19% | 0.17% | 62.48% |
| June 30, 2025 | $282.6M | 7.47% | 1.50% | 0.03% | 60.51% |
| March 31, 2025 | $287.3M | 7.34% | 2.38% | -0.26% | 58.18% |
Add this badge to your website
Free to use. It shows O.A.S. Staff 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.
O.A.S. Staff Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 15000) · FFIEC NIC profile (RSSD 867285)
Frequently asked questions
Is O.A.S. Staff Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, O.A.S. Staff Federal Credit Union's net worth ratio is 7.63%, above the 7% NCUA threshold for well capitalized.
Is O.A.S. Staff Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. O.A.S. Staff Federal Credit Union is a federally insured credit union (NCUA charter 15000): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are O.A.S. Staff Federal Credit Union's key safety ratios?
For Q2 2026, O.A.S. Staff Federal Credit Union reports net worth 7.63%, delinquency 2.58%, ROA 0.17%, loan-to-share 62.33%.
What happens to my money if O.A.S. Staff Federal Credit Union fails?
For Q2 2026, O.A.S. Staff Federal Credit Union held $264.9M in shares and deposits for 8,722 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.