TellerScore

Department of Commerce Federal Credit Union is a federal credit union headquartered in Washington, District of Columbia, in business for about 62 years. At the end of Q2 2026 it reported $739.1M in total assets and $670.0M in member shares and deposits, with 2 offices across 2 states.

Based on its Q2 2026 filing, Department of Commerce Federal Credit Union scores 30/100, which we describe as low. That is higher than only 0% of 1,341 credit unions with $100 million – $1 billion. Among 28 credit unions headquartered in District of Columbia, it ranks 27th. Its strongest component is funding & liquidity (63/100; 97% loans-to-deposits, 10% uninsured), and its lowest is capital cushion (4/100; 5.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion4/100
Net worth ratio: 5.41%
Loan quality42/100
Loans 60+ days delinquent ÷ total loans: 1.75%
Earnings23/100
Return on assets (annualized): 0.09%
Funding & liquidity63/100
Loans ÷ shares: 97.0% · 9.8% uninsured
Problem-loan coverage43/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 28.60%

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 fell 5 points (35 → 30), mostly because the problem-loan coverage component weakened by 18 points.

TellerScore
303846Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202442
Q3 202446
Q4 202444
Q1 202536
Q2 202535
Q3 202538
Q4 202535
Q1 202639
Q2 202630
Net worth ratio
5.41%6.53%7.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.24%
Q3 20247.64%
Q4 20247.56%
Q1 20256.41%
Q2 20256.53%
Q3 20256.85%
Q4 20256.81%
Q1 20265.67%
Q2 20265.41%
Delinquent loans (60+ days)
1.07%1.41%1.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.07%
Q3 20241.23%
Q4 20241.30%
Q1 20251.26%
Q2 20251.48%
Q3 20251.28%
Q4 20251.52%
Q1 20261.39%
Q2 20261.75%
Return on assets
-0.44%0.03%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.10%
Q3 20240.29%
Q4 20240.12%
Q1 2025-0.44%
Q2 2025-0.26%
Q3 2025-0.18%
Q4 2025-0.21%
Q1 20260.51%
Q2 20260.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202630$739.1M5.41%1.75%0.09%97.0%
Q1 202639$762.4M5.67%1.39%0.51%95.6%
Q4 202535$764.6M6.81%1.52%-0.21%97.6%
Q3 202538$768.6M6.85%1.28%-0.18%96.4%
Q2 202535$806.9M6.53%1.48%-0.26%93.8%
Q1 202536$838.1M6.41%1.26%-0.44%91.9%
Q4 202444$854.4M7.56%1.30%0.12%93.7%
Q3 202446$859.4M7.64%1.23%0.29%96.4%
Q2 202442$870.7M7.24%1.07%-0.10%101.8%

1,341 peers · $100 million – $1 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 ratio5.41%
0th
Problem loans1.75%
9th
Net charge-offs1.63%
3rd
Return on assets0.09%
7th
Loans to deposits97.0%
5th
Uninsured deposits9.8%
18th
Loan-loss reserves0.00%
50th
Texas ratio28.6%
1st

Similar-size credit unions in District of Columbia

InstitutionScoreAssetsCapitalProblem loansCompare
Idb Global Federal Credit UnionCredit union Washington, DC74 out of 100, Strong$842.4M12.3%0.13%vs
Library of Congress Federal Credit UnionCredit union Washington, DC84 out of 100, Strong$338.2M16.6%0.53%vs
O.A.S. Staff Federal Credit UnionCredit union Washington, DC37 out of 100, Low$282.4M7.6%2.58%vs
Department of the Interior Federal Credit UnionCredit union Washington, DC51 out of 100, Below average$268.0M7.5%1.09%vs
Treasury Department Federal Credit UnionCredit union Washington, DC53 out of 100, Below average$176.7M10.3%1.86%vs
Dept of Labor Federal Credit UnionCredit union Washington, DC48 out of 100, Below average$137.6M7.8%0.59%vs

Deposit insurance

Is my money safe at Department of Commerce Federal Credit Union?

Yes. Department of Commerce Federal Credit Union is a federally insured credit union (NCUA charter #16410). 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 9.8% of shares and deposits ($65.5M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 5.41%, below 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

Department of Commerce Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Department of Commerce Federal Credit Union
Type
Federal credit union
NCUA charter #
16410
RSSD ID
756389
Primary regulator
NCUA
Established
1964
Headquarters
P.O. Box 14720, Washington, DC 20044
Employees
84

Quick answers

Department of Commerce Federal Credit Union: common questions

Is Department of Commerce Federal Credit Union NCUA insured?

Yes. Department of Commerce Federal Credit Union is a federally insured credit union (NCUA charter #16410). 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 Department of Commerce Federal Credit Union's TellerScore?

30 out of 100 (Low), 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 Department of Commerce Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

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