TellerScore

Headquartered in Washington, District of Columbia, Pepco Federal Credit Union is a federal credit union with $33.0M in total assets and $30.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1935.

Based on its Q2 2026 filing, Pepco Federal Credit Union scores 23/100, which we describe as low. That is higher than only 0% of 2,479 credit unions with under $100 million in assets. Among 28 credit unions headquartered in District of Columbia, it ranks 28th. Its strongest component is funding & liquidity (76/100; 32% loans-to-deposits, 37% uninsured), and its lowest is earnings (0/100; -1.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion27/100
Net worth ratio: 7.66%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 8.42%
Earnings0/100
Return on assets (annualized): -1.74%
Funding & liquidity76/100
Loans ÷ shares: 31.8% · 37.2% uninsured
Problem-loan coverage35/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 32.71%

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 8 points (31 → 23), mostly because the problem-loan coverage component weakened by 42 points.

TellerScore
233649Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202436
Q3 202449
Q4 202436
Q1 202538
Q2 202531
Q3 202541
Q4 202533
Q1 202625
Q2 202623
Net worth ratio
7.00%7.96%8.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.47%
Q3 20248.57%
Q4 20248.54%
Q1 20258.21%
Q2 20258.04%
Q3 20258.93%
Q4 20258.52%
Q1 20267.91%
Q2 20267.66%
Delinquent loans (60+ days)
1.01%4.72%8.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.41%
Q3 20241.01%
Q4 20242.37%
Q1 20252.45%
Q2 20253.74%
Q3 20255.32%
Q4 20255.88%
Q1 20267.32%
Q2 20268.42%
Return on assets
-2.01%-0.60%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-1.06%
Q3 2024-0.98%
Q4 2024-0.56%
Q1 20250.01%
Q2 2025-0.06%
Q3 20250.82%
Q4 20250.06%
Q1 2026-2.01%
Q2 2026-1.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202623$33.0M7.66%8.42%-1.74%31.8%
Q1 202625$33.4M7.91%7.32%-2.01%30.3%
Q4 202533$33.0M8.52%5.88%0.06%27.1%
Q3 202541$33.7M8.93%5.32%0.82%26.1%
Q2 202531$34.7M8.04%3.74%-0.06%26.7%
Q1 202538$34.2M8.21%2.45%0.01%24.5%
Q4 202436$32.8M8.54%2.37%-0.56%25.0%
Q3 202449$33.3M8.57%1.01%-0.98%24.4%
Q2 202436$33.9M8.47%2.41%-1.06%21.3%

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 ratio7.66%
3rd
Problem loans8.42%
2nd
Net charge-offs2.40%
4th
Return on assets-1.74%
4th
Loans to deposits31.8%
87th
Uninsured deposits37.2%
0th
Loan-loss reserves0.00%
37th
Texas ratio32.7%
2nd

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Deposit insurance

Is my money safe at Pepco Federal Credit Union?

Yes. Pepco Federal Credit Union is a federally insured credit union (NCUA charter #367). 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 37.2% of shares and deposits ($11.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 7.66%, slightly 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

Pepco Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pepco Federal Credit Union
Type
Federal credit union
NCUA charter #
367
RSSD ID
44376
Primary regulator
NCUA
Established
1935
Headquarters
701 Ninth Street Nw Suite 6230, Washington, DC 20001
Employees
8

Quick answers

Pepco Federal Credit Union: common questions

Is Pepco Federal Credit Union NCUA insured?

Yes. Pepco Federal Credit Union is a federally insured credit union (NCUA charter #367). 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 Pepco Federal Credit Union's TellerScore?

23 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 Pepco Federal Credit Union have?

2 offices as of the latest NCUA data.

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