Federal credit union · Washington, District of Columbia · NCUA charter #15000
O.a.S. Staff
Health score 47/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 47
- Health / 100
- $284.7M
- Total assets
- 8,689
- Members
- 7.4%
- Net-worth ratio
O.a.S. Staff scores 47/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $284.7M; members 8,689; net-worth ratio 7.40%; health rank #4,302 of 4,374; healthier than 2nd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,302 of 4,374 health · 2025Q4O.a.S. Staff · health 47/100 · $284.7M · 2025Q4
Call Report peers
O.a.S. Staff in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
O.a.S. Staff vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); O.a.S. Staff sits in 45-49 with 39 others.
47 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
O.a.S. Staff vs $100M–$500M peers
- Loan-to-Share Ratio trails the peer set - 61.92% here, 72.20% peer average (-10.28 pp).
Where O.a.S. Staff sits in District of Columbia
- In District of Columbia, health place is #28 of 29 on the same NCUA-ratio sort used nationally.
- Assets rank #6 of 29 inside District of Columbia ($284.7M reported).
- District of Columbia membership ordinal: #10 of 29.
- One place up in District of Columbia, Department of Commerce (#27) scores 51/100, 4 points higher; one place down, PEPCO (#29) scores 33/100, 14 points lower.
O.a.S. Staff Call Report trajectory
O.a.S. Staff: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $284.7M (2025Q4) to $289.7M (2026Q1).
- Net-worth ratio shifted -0.11 pp (7.51% → 7.40%).
This credit union's 7.40% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 47/100 score is built
O.a.S. Staff gives up 53 points in total. Delinquency Rate costs the most, 15.9 of its 25; Loan-to-Share Ratio loses the least, 1.8.
- Net Worth Ratio 23.5 pts
- Delinquency Rate 9.1 pts
- Return on Assets 1.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.2 pts
O.a.S. Staff health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.40% | -4.71 pp |
| Delinquency Rate | 2.54% | +1.65 pp |
| Return on Assets | -0.36% | -0.99 pp |
| Member Growth | -5.15% | - |
| Loan-to-Share Ratio | 61.92% | -10.28 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $289.7M | - |
| 2025Q4 | $284.7M | 8,689 |
| 2024Q4 | $278.7M | 9,161 |
| 2023Q4 | $274.8M | 8,905 |
Credit Union Details
- Charter Number
- 15000
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- District of Columbia
- City
- Washington
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for O.a.S. Staff.
| Office | City |
|---|---|
| OAS Staff FCU (Main Office) | Washington, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in District of Columbia
More federally-insured credit unions based in District of Columbia, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- O.a.S. Staff ranks #4,302 of 4,374 nationally on financial health and #28 of 29 in DC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Department of the Interior is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Department of the Interior
Frequently Asked Questions
Is O.a.S. Staff financially healthy?
On its 2025Q4 NCUA 5300 filing, O.a.S. Staff scores 47/100 (Below Average), with a 7.40% net worth ratio and 2.54% of loans delinquent. It ranks #4,302 of 4,374 nationally on health and #28 of 29 in District of Columbia.
How does O.a.S. Staff compare to other credit unions?
O.a.S. Staff scores 47/100, higher than 2% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (61.92% vs 72.20%).
How can I join O.a.S. Staff?
O.a.S. Staff serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact O.a.S. Staff directly for the current list of qualifying groups.
Is my money safe at O.a.S. Staff?
O.a.S. Staff is a federal credit union; its shares are federally 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. O.a.S. Staff's net worth ratio of 7.40% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.