TellerScore

Bank Fund Staff Federal Credit Union is a federal credit union headquartered in Washington, District of Columbia, in business for about 79 years. At the end of Q2 2026 it reported $7.1B in total assets and $6.1B in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Bank Fund Staff Federal Credit Union scores 81/100, which we describe as strong. That is higher than 89% of 454 credit unions with $1 billion – $10 billion. Among 28 credit unions headquartered in District of Columbia, it ranks 5th. Its strongest component is problem-loan coverage (96/100; 1.8%), and its lowest is earnings (61/100; 1.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Net worth ratio: 13.64%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.42%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity82/100
Loans ÷ shares: 62.8% · 29.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.77%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (79 → 81), mostly because the earnings component improved by 12 points.

TellerScore
798183Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202483
Q3 202481
Q4 202480
Q1 202579
Q2 202579
Q3 202579
Q4 202579
Q1 202682
Q2 202681
Net worth ratio
7.00%10.32%13.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202413.53%
Q3 202413.42%
Q4 202413.34%
Q1 202513.23%
Q2 202513.36%
Q3 202513.42%
Q4 202513.28%
Q1 202613.36%
Q2 202613.64%
Delinquent loans (60+ days)
0.20%0.31%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.33%
Q4 20240.30%
Q1 20250.25%
Q2 20250.41%
Q3 20250.37%
Q4 20250.39%
Q1 20260.24%
Q2 20260.42%
Return on assets
0.70%0.87%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.04%
Q3 20240.89%
Q4 20240.78%
Q1 20250.70%
Q2 20250.73%
Q3 20250.78%
Q4 20250.80%
Q1 20260.95%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$7.1B13.64%0.42%1.02%62.8%
Q1 202682$7.1B13.36%0.24%0.95%62.2%
Q4 202579$7.0B13.28%0.39%0.80%62.7%
Q3 202579$6.8B13.42%0.37%0.78%63.3%
Q2 202579$6.7B13.36%0.41%0.73%64.0%
Q1 202579$6.7B13.23%0.25%0.70%63.7%
Q4 202480$6.5B13.34%0.30%0.78%64.8%
Q3 202481$6.4B13.42%0.33%0.89%66.2%
Q2 202483$6.3B13.53%0.20%1.04%66.6%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.64%
85th
Problem loans0.42%
77th
Net charge-offs0.09%
94th
Return on assets1.02%
69th
Loans to deposits62.8%
91st
Uninsured deposits29.0%
1st
Loan-loss reserves0.00%
50th
Texas ratio1.8%
90th

Similar-size credit unions in District of Columbia

InstitutionScoreAssetsCapitalProblem loansCompare
Wright Patman Congressional Federal Credit UnionCredit union Washington, DC61 out of 100, Moderate$1.3B11.0%1.62%vs

Deposit insurance

Is my money safe at Bank Fund Staff Federal Credit Union?

Yes. Bank Fund Staff Federal Credit Union is a federally insured credit union (NCUA charter #5582). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 29.0% of shares and deposits ($1.8B) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 13.64%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Bank Fund Staff Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank Fund Staff Federal Credit Union reported 1,558 home-loan applications under HMDA (LEI HIDXEG9BLUJZKBGUT764): 1,166 originated ($496,750,000 total), 167 denied, and 186 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank Fund Staff Federal Credit Union
Type
Federal credit union
NCUA charter #
5582
RSSD ID
561471
Primary regulator
NCUA
Established
1947
Headquarters
1725 I St NW Ste 150, Washington, DC 20006
Employees
360

Quick answers

Bank Fund Staff Federal Credit Union: common questions

Is Bank Fund Staff Federal Credit Union NCUA insured?

Yes. Bank Fund Staff Federal Credit Union is a federally insured credit union (NCUA charter #5582). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Bank Fund Staff Federal Credit Union's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Bank Fund Staff Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Mount Pleasant Baptist Church Federal Credit UnionCredit union Alexandria, VA100 out of 100, Very strong$370K17.4%0.00%vs
Angelina County Teachers Credit UnionCredit union Lufkin, TX100 out of 100, Very strong$12.9M18.4%0.04%vs
None Suffer Lack Federal Credit UnionCredit union Suitland, MD99 out of 100, Very strong$27.9M20.1%0.12%vs
Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL99 out of 100, Very strong$2.2M23.1%0.08%vs
Lee Federal Credit UnionCredit union Washington, DC99 out of 100, Very strong$5.5M50.7%0.00%vs
Christiansted Federal Credit UnionCredit union Christiansted, VI98 out of 100, Very strong$34.0M20.6%0.23%vs