Federal credit union · WASHINGTON, District of Columbia · NCUA charter #5582
Bank Fund Staff
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $6.98B
- Total assets
- 103,579
- Members
- 13.4%
- Net-worth ratio
Bank Fund Staff scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.98B; members 103,579; net-worth ratio 13.36%; health rank #359 of 4,374; healthier than 90th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#359 of 4,374 health · 2025Q4Bank Fund Staff · health 95/100 · $6.98B · 2025Q4
- ASSETS 95/100
- MEM 13.4%
- RANK 0.39%
- PHOTO 0.73%
- BOOK $6.98B
- CHARTER 103,579
- NCUSIF #359/4,374
- CAMELS MISSION
- HEALTH 5582
Bank Fund Staff in the assets neighbourhood
Bank Fund Staff's $6.98B assets sit next to MISSION ($7.16B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bank Fund Staff vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Bank Fund Staff - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #5582, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Bank Fund Staff diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +2.18 pp (13.36% vs 11.18%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -21.22 pp (62.68% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Bank Fund Staff in District of Columbia
- In District of Columbia, health place is #2 of 29 on the same NCUA-ratio sort used nationally.
- District of Columbia assets place: #1 of 29.
- Member book place in District of Columbia: #1 of 29.
In-state ordinals use the live credit_unions table for DC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Bank Fund Staff
Bank Fund Staff: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $6.98B (2025Q4) to $7.06B (2026Q1).
- Net-worth ratio shifted +0.08 pp (13.28% → 13.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.36% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 13.1 pts
Call Report ratios for Bank Fund Staff
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.36% | +2.18 pp |
| Delinquency Rate | 0.39% | -0.48 pp |
| Return on Assets | 0.73% | +0.23 pp |
| Member Growth | 2.44% | - |
| Loan-to-Share Ratio | 62.68% | -21.22 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Bank Fund Staff filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.06B | - |
| 2025Q4 | $6.98B | 103,579 |
| 2024Q4 | $6.53B | 101,110 |
| 2023Q4 | $6.34B | 97,593 |
Credit Union Details
- Charter Number
- 5582
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- District of Columbia
- City
- WASHINGTON
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Bank Fund Staff runs 4 offices.
| Office | City |
|---|---|
| Bank Fund Staff FCU (Main Office) | WASHINGTON, DC |
| MC BRANCH | WASHINGTON, DC |
| IFC BRANCH | WASHINGTON, DC |
| IMF BRANCH | WASHINGTON, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in District of Columbia
A look at other District of Columbia credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Bank Fund Staff, both outside District of Columbia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($6.98B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Bank Fund Staff ranks #359 of 4,374 nationally on financial health and #2 of 29 in DC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wright Patman Congressional is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wright Patman Congressional
- Rates and health both vary by institution, not just by state -- see how District of Columbia credit unions compare overall before assuming this one is typical. District of Columbia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Bank Fund Staff financially healthy?
Bank Fund Staff scores 95/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #359 of 4,374; by total assets it ranks #55 of 4,374 nationally (same basis as /rankings/largest); and #1 of 29 within District of Columbia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.36% net worth ratio and a 0.39% delinquency rate.
How does Bank Fund Staff compare to other credit unions?
95/100 is Bank Fund Staff's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Bank Fund Staff?
Bank Fund Staff operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Bank Fund Staff directly for the exact boundaries and application steps.
Is my money safe at Bank Fund Staff?
Federal credit unions like Bank Fund Staff are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Bank Fund Staff's net worth ratio of 13.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bank Fund Staff offer compared to banks?
Credit unions like Bank Fund Staff are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Bank Fund Staff directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.