Bank Fund Staff Federal Credit Union
Total assets
$7.06B
▲ +5.9% YoY
Shares & deposits
$6.10B
▲ +5.0% YoY
Loans
$3.79B
▲ +2.5% YoY
Members
104,247
▲ +2.0% YoY
ROA (annualized)
0.95%
peers 0.71%
ROE (annualized)
7.07%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.1% | +0.7 pts |
| Share growth (YoY) | +5.0% | +4.9% | +0.2 pts |
| Loan growth (YoY) | +2.5% | +5.4% | -3.0 pts |
| ROA | 0.95% | 0.71% | +0.2 pts |
| ROE | 7.1% | 6.3% | +0.8 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
Profile
- Established
- 1947
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 1725 I St Nw Ste 150, Washington, DC, 20006
- NCUA charter #
- 5582
- RSSD ID
- 561471
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.06B | $6.10B | $3.79B | $943.5M | $16.7M | 0.95% | 2.42% | 0.24% | 104,247 |
| Q4 2025 | $6.98B | $6.02B | $3.78B | $926.9M | $55.8M | 0.80% | 2.18% | 0.39% | 103,579 |
| Q3 2025 | $6.78B | $5.86B | $3.71B | $910.6M | $39.5M | 0.78% | 2.18% | 0.37% | 104,138 |
| Q2 2025 | $6.70B | $5.80B | $3.71B | $895.7M | $24.6M | 0.73% | 2.15% | 0.41% | 103,110 |
| Q1 2025 | $6.67B | $5.81B | $3.70B | $882.8M | $11.8M | 0.70% | 2.11% | 0.25% | 102,213 |
| Q4 2024 | $6.53B | $5.71B | $3.70B | $871.0M | $51.2M | 0.78% | 2.05% | 0.30% | 101,110 |
| Q3 2024 | $6.43B | $5.58B | $3.70B | $862.8M | $43.0M | 0.89% | 2.06% | 0.33% | 100,930 |
| Q2 2024 | $6.30B | $5.52B | $3.68B | $852.7M | $32.8M | 1.04% | 2.09% | 0.20% | 99,744 |
Loan mix (Q1 2026): real estate $3.48B · commercial $0 · consumer $303.8M · securities $2.88B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.71% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 6.3% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.42% | 3.32% | 7th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 73.0% | 16th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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