District of Columbia Credit Unions
29 federally-insured credit unions · 321K members · $11.8B combined assets
Health Score Distribution
All Credit Unions in District of Columbia
| Credit Union | Health |
|---|---|
| BANK FUND STAFF WASHINGTON | 90 |
| IDB GLOBAL WASHINGTON | 88 |
| MT. AIRY BAPTIST CHURCH Washington | 81 |
| WRIGHT PATMAN CONGRESSIONAL WASHINGTON | 80 |
| LIBRARY OF CONGRESS WASHINGTON | 78 |
| GSA Washington | 77 |
| MT GILEAD WASHINGTON | 76 |
| DEPT OF LABOR WASHINGTON | 75 |
| PARAMOUNT BAPTIST CHURCH Washington | 75 |
| LEE Washington | 73 |
| DC Washington | 70 |
| F R B Washington | 68 |
| GEORGETOWN UNIVERSITY ALUMNI AND ST Washington | 68 |
| TREASURY DEPARTMENT WASHINGTON | 68 |
| GOVERNMENT PRINTING OFFICE Washington | 67 |
| ADVANTAGE FINANCIAL WASHINGTON | 65 |
| DEPARTMENT OF THE INTERIOR Washington | 63 |
| PMI EMPLOYEES Washington | 63 |
| D C FIRE DEPARTMENT WASHINGTON | 61 |
| AFL CIO EMPLOYEES Washington | 60 |
| EP Washington | 55 |
| O.A.S. STAFF Washington | 53 |
| SARGENT WASHINGTON | 51 |
| DISTRICT OF COLUMBIA TEACHERS Washington | 48 |
| HUD WASHINGTON | 48 |
| PHI BETA SIGMA Washington | 43 |
| PEPCO WASHINGTON | 38 |
| JOHN WESLEY AME ZION CHURCH WASHINGTON | 33 |
| DEPARTMENT OF COMMERCE Washington | 30 |
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.
What This Data Says About Credit Unions in District of Columbia
District of Columbia is home to 29 federally-insured credit unions collectively serving 321K members with $11.8B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 64/100 reflects the blended performance of every charter operating within its borders — state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. BANK FUND STAFF of WASHINGTON currently leads the cohort with a health score of 90/100, while the full distribution spans 29 institutions ranked below.
The health distribution breaks into four bands: 4 credit unions score 80–100 (Excellent), 16 score 60–79 (Good), 6 score 40–59 (Fair), and 3 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress — NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers — but the composite signals where financial buffers are thinner than peers.
Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration — identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across District of Columbia's 29 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.
Frequently Asked Questions
How many credit unions are in District of Columbia?
There are 29 federally-insured credit unions in District of Columbia as of Q4 2025, with a combined 321K members and $11.8B in total assets. All data is sourced from the NCUA 5300 Call Report.
What is the healthiest credit union in District of Columbia?
Based on NCUA Q4 2025 data, BANK FUND STAFF in WASHINGTON ranks highest in District of Columbia with a health score of 90/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.
Are credit unions safer than banks?
Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.
Read our methodology — how this data is sourced, computed, and verified.
