TellerScore

Strategic Federal Credit Union is a federal credit union headquartered in Sterling, Virginia, in business for about 53 years. At the end of Q2 2026 it reported $23.1M in total assets and $20.6M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Strategic Federal Credit Union scores 60/100, which we describe as moderate. That is higher than only 22% of 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 68th. Its strongest component is problem-loan coverage (86/100; 7.2%), and its lowest is earnings (36/100; 0.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.32%
Loan quality63/100
Loans 60+ days delinquent ÷ total loans: 1.11%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity85/100
Loans ÷ shares: 74.8% · 10.8% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.22%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 60).

TellerScore
495764Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202454
Q4 202458
Q1 202549
Q2 202561
Q3 202562
Q4 202564
Q1 202660
Q2 202660
Net worth ratio
7.00%8.66%10.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.70%
Q3 20249.72%
Q4 20249.51%
Q1 20259.37%
Q2 20259.73%
Q3 20259.99%
Q4 20259.93%
Q1 202610.08%
Q2 202610.32%
Delinquent loans (60+ days)
0.73%1.33%1.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.38%
Q3 20241.92%
Q4 20241.21%
Q1 20251.52%
Q2 20250.82%
Q3 20250.91%
Q4 20250.73%
Q1 20261.15%
Q2 20261.11%
Return on assets
0.06%0.57%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.08%
Q3 20240.99%
Q4 20240.72%
Q1 20250.06%
Q2 20250.48%
Q3 20250.61%
Q4 20250.65%
Q1 20260.54%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$23.1M10.32%1.11%0.40%74.8%
Q1 202660$23.5M10.08%1.15%0.54%73.8%
Q4 202564$23.5M9.93%0.73%0.65%78.7%
Q3 202562$22.9M9.99%0.91%0.61%82.4%
Q2 202561$23.0M9.73%0.82%0.48%82.7%
Q1 202549$23.3M9.37%1.52%0.06%81.0%
Q4 202458$23.0M9.51%1.21%0.72%81.0%
Q3 202454$22.5M9.72%1.92%0.99%80.2%
Q2 202459$22.0M9.70%1.38%1.08%84.2%

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 ratio10.32%
19th
Problem loans1.11%
36th
Net charge-offs-0.15%
95th
Return on assets0.40%
37th
Loans to deposits74.8%
26th
Uninsured deposits10.8%
6th
Loan-loss reserves0.00%
37th
Texas ratio7.2%
20th

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Deposit insurance

Is my money safe at Strategic Federal Credit Union?

Yes. Strategic Federal Credit Union is a federally insured credit union (NCUA charter #21319). 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 10.8% of shares and deposits ($2.2M) 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 10.32%, 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

Strategic Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Strategic Federal Credit Union
Type
Federal credit union
NCUA charter #
21319
RSSD ID
492780
Primary regulator
NCUA
Established
1973
Headquarters
22110 Pacific Blvd Ste 100, Sterling, VA 20166
Employees
4

Quick answers

Strategic Federal Credit Union: common questions

Is Strategic Federal Credit Union NCUA insured?

Yes. Strategic Federal Credit Union is a federally insured credit union (NCUA charter #21319). 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 Strategic Federal Credit Union's TellerScore?

60 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 Strategic Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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