Federal credit union · Washington, District of Columbia · NCUA charter #15000
O.a.s. Staff
Health score 46/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 46
- Health / 100
- $284.7M
- Total assets
- 8,689
- Members
- 7.2%
- Net-worth ratio
O.a.s. Staff - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #15000: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
O.a.s. Staff - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)77
- Asset quality (delinquency)36
- Earnings (ROA)8
- Member growth0
- Liquidity (loan-to-share)88
Weighted composite: 46/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.19% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.19% | 30% |
| Delinquency Rate | 2.54% | 25% |
| Return on Assets | -0.36% | 15% |
| Member Growth | -5.15% | 15% |
| Loan-to-Share Ratio | 61.92% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About O.a.s. Staff
Headquartered in Washington, District of Columbia, O.a.s. Staff is a federal credit union with 8,689 members, $284.7M in total assets, and $165.1M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 46/100 (Below Average), driven in part by a net worth ratio of 7.19% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #15000 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
2.54% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 61.92% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.36% on net income of $-1037690 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -5.15%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is O.a.s. Staff financially healthy?
O.a.s. Staff has a financial health score of 46/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.19% and delinquency rate of 2.54%.
How does O.a.s. Staff compare to other credit unions?
On PlainCU's health composite, O.a.s. Staff lands at 46/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like O.a.s. 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. O.a.s. Staff's net worth ratio of 7.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does O.a.s. Staff offer compared to banks?
Credit unions like O.a.s. 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 O.a.s. Staff directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.