TellerScore

Headquartered in Washington, District of Columbia, O.A.S. Staff Federal Credit Union is a federal credit union with $282.4M in total assets and $264.9M in member shares and deposits as of Q2 2026. Its charter dates back to 1962.

Based on its Q2 2026 filing, O.A.S. Staff Federal Credit Union scores 37/100, which we describe as low. That is higher than only 1% of 1,341 credit unions with $100 million – $1 billion. Among 28 credit unions headquartered in District of Columbia, it ranks 26th. Its strongest component is funding & liquidity (98/100; 62% loans-to-deposits, 8% uninsured), and its lowest is loan quality (14/100; 2.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion26/100
Net worth ratio: 7.63%
Loan quality14/100
Loans 60+ days delinquent ÷ total loans: 2.58%
Earnings25/100
Return on assets (annualized): 0.12%
Funding & liquidity98/100
Loans ÷ shares: 62.3% · 8.0% uninsured
Problem-loan coverage60/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 19.76%

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 9 points (46 → 37), mostly because the loan quality component weakened by 36 points.

TellerScore
314151Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202435
Q4 202431
Q1 202536
Q2 202546
Q3 202549
Q4 202536
Q1 202641
Q2 202637
Net worth ratio
7.00%7.46%7.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.92%
Q3 20247.75%
Q4 20247.63%
Q1 20257.34%
Q2 20257.47%
Q3 20257.58%
Q4 20257.51%
Q1 20267.40%
Q2 20267.63%
Delinquent loans (60+ days)
0.90%1.83%2.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.90%
Q3 20242.49%
Q4 20242.77%
Q1 20252.38%
Q2 20251.50%
Q3 20251.19%
Q4 20252.54%
Q1 20262.07%
Q2 20262.58%
Return on assets
-0.37%-0.13%0.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.29%
Q3 2024-0.33%
Q4 2024-0.37%
Q1 2025-0.26%
Q2 2025-0.12%
Q3 2025-0.02%
Q4 20250.05%
Q1 20260.07%
Q2 20260.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202637$282.4M7.63%2.58%0.12%62.3%
Q1 202641$289.7M7.40%2.07%0.07%60.6%
Q4 202536$284.7M7.51%2.54%0.05%61.9%
Q3 202549$279.9M7.58%1.19%-0.02%62.5%
Q2 202546$282.6M7.47%1.50%-0.12%60.5%
Q1 202536$287.3M7.34%2.38%-0.26%58.2%
Q4 202431$278.7M7.63%2.77%-0.37%60.8%
Q3 202435$278.8M7.75%2.49%-0.33%61.6%
Q2 202451$276.4M7.92%0.90%-0.29%62.1%

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 ratio7.63%
2nd
Problem loans2.58%
3rd
Net charge-offs0.07%
89th
Return on assets0.12%
8th
Loans to deposits62.3%
75th
Uninsured deposits8.0%
30th
Loan-loss reserves0.00%
50th
Texas ratio19.8%
3rd

Similar-size credit unions in District of Columbia

InstitutionScoreAssetsCapitalProblem loansCompare
Department of the Interior Federal Credit UnionCredit union Washington, DC51 out of 100, Below average$268.0M7.5%1.09%vs
Library of Congress Federal Credit UnionCredit union Washington, DC84 out of 100, Strong$338.2M16.6%0.53%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
F R B Federal Credit UnionCredit union Washington, DC53 out of 100, Below average$123.4M9.4%1.41%vs
Advantage Financial Federal Credit UnionCredit union Washington, DC57 out of 100, Moderate$103.1M12.1%1.84%vs

Deposit insurance

Is my money safe at O.A.S. Staff Federal Credit Union?

Yes. O.A.S. Staff Federal Credit Union is a federally insured credit union (NCUA charter #15000). 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 8.0% of shares and deposits ($21.1M) 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 7.63%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
O.A.S. Staff Federal Credit Union
Type
Federal credit union
NCUA charter #
15000
RSSD ID
867285
Primary regulator
NCUA
Established
1962
Headquarters
1889 F St NW, Washington, DC 20006
Employees
34

Quick answers

O.A.S. Staff Federal Credit Union: common questions

Is O.A.S. Staff Federal Credit Union NCUA insured?

Yes. O.A.S. Staff Federal Credit Union is a federally insured credit union (NCUA charter #15000). 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 O.A.S. Staff Federal Credit Union's TellerScore?

37 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.