TellerScore

Ep Federal Credit Union (NCUA charter #262) is based in Washington, District of Columbia. Its Q2 2026 call report shows $71.5M in total assets and $66.1M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Ep Federal Credit Union scores 57/100, which we describe as moderate. That is higher than only 17% of 2,479 credit unions with under $100 million in assets. Among 28 credit unions headquartered in District of Columbia, it ranks 19th. Its strongest component is funding & liquidity (100/100; 59% loans-to-deposits, 3% uninsured), and its lowest is capital cushion (36/100; 8.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Net worth ratio: 8.56%
Loan quality60/100
Loans 60+ days delinquent ÷ total loans: 1.20%
Earnings37/100
Return on assets (annualized): 0.43%
Funding & liquidity100/100
Loans ÷ shares: 59.0% · 3.2% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.66%

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 3 points (54 → 57), mostly because the earnings component improved by 13 points.

TellerScore
535863Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202459
Q4 202456
Q1 202555
Q2 202554
Q3 202556
Q4 202553
Q1 202656
Q2 202657
Net worth ratio
7.00%7.78%8.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.16%
Q3 20248.18%
Q4 20248.34%
Q1 20258.31%
Q2 20257.97%
Q3 20258.26%
Q4 20258.53%
Q1 20268.52%
Q2 20268.56%
Delinquent loans (60+ days)
0.18%0.77%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20240.53%
Q4 20240.91%
Q1 20251.05%
Q2 20250.98%
Q3 20250.90%
Q4 20251.36%
Q1 20261.27%
Q2 20261.20%
Return on assets
0.11%0.29%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.18%
Q4 20240.22%
Q1 20250.18%
Q2 20250.11%
Q3 20250.11%
Q4 20250.18%
Q1 20260.47%
Q2 20260.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$71.5M8.56%1.20%0.43%59.0%
Q1 202656$74.6M8.52%1.27%0.47%57.5%
Q4 202553$71.9M8.53%1.36%0.18%59.3%
Q3 202556$72.3M8.26%0.90%0.11%59.0%
Q2 202554$74.0M7.97%0.98%0.11%58.7%
Q1 202555$74.3M8.31%1.05%0.18%59.0%
Q4 202456$70.7M8.34%0.91%0.22%63.1%
Q3 202459$73.7M8.18%0.53%0.18%63.5%
Q2 202463$75.0M8.16%0.18%0.16%62.3%

2,479 peers · Under $100 million in assets

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 ratio8.56%
7th
Problem loans1.20%
34th
Net charge-offs0.31%
39th
Return on assets0.43%
38th
Loans to deposits59.0%
50th
Uninsured deposits3.2%
34th
Loan-loss reserves0.00%
37th
Texas ratio7.7%
19th

Similar-size credit unions in District of Columbia

InstitutionScoreAssetsCapitalProblem loansCompare
DC Federal Credit UnionCredit union Washington, DC52 out of 100, Below average$88.9M12.9%2.57%vs
District of Columbia Teachers Federal Credit UnionCredit union Washington, DC58 out of 100, Moderate$49.0M9.2%1.42%vs
Afl Cio Employees Federal Credit UnionCredit union Washington, DC61 out of 100, Moderate$48.4M12.4%0.86%vs
Gsa Federal Credit UnionCredit union Washington, DC61 out of 100, Moderate$37.9M7.6%0.21%vs
Pepco Federal Credit UnionCredit union Washington, DC23 out of 100, Low$33.0M7.7%8.42%vs
Government Printing Office Federal Credit UnionCredit union Washington, DC59 out of 100, Moderate$29.3M8.7%0.75%vs

Deposit insurance

Is my money safe at Ep Federal Credit Union?

Yes. Ep Federal Credit Union is a federally insured credit union (NCUA charter #262). 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 3.2% of shares and deposits ($2.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.56%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Ep Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ep Federal Credit Union
Type
Federal credit union
NCUA charter #
262
RSSD ID
555171
Primary regulator
NCUA
Established
1935
Headquarters
P.O. Box 23393, Washington, DC 20026
Employees
14

Quick answers

Ep Federal Credit Union: common questions

Is Ep Federal Credit Union NCUA insured?

Yes. Ep Federal Credit Union is a federally insured credit union (NCUA charter #262). 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 Ep Federal Credit Union's TellerScore?

57 out of 100 (Moderate), 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 Ep Federal Credit Union have?

1 office as of the latest NCUA data.