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District of Columbia Credit Union Performance
How the 29 credit unions based in District of Columbia are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
District of Columbia's 29 credit unions serve 322,093 members and hold $11.90B in combined assets. The median District of Columbia credit union earned a 0.25% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among District of Columbia credit unions was 0.00%, compared with -0.55% nationally. Median one-year asset growth was -0.51%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
District of Columbia at a glance
District of Columbia vs. the United States
System totals are the sum of every credit union based in District of Columbia. The share column is District of Columbia's portion of the national figure.
| Measure | District of Columbia | United States | District of Columbia share |
|---|---|---|---|
| Credit unions | 29 | 4,335 | 0.7% |
| Members | 322,093 | 147,031,529 | 0.2% |
| Residents (population) | 702,250 | 340,110,988 | 0.2% |
| Total assets | $11.90B | $2,507.50B | 0.5% |
| Total loans | $6.95B | $1,744.86B | 0.4% |
| Total shares & deposits | $10.37B | $2,143.21B | 0.5% |
| Total net worth | $1.42B | $282.23B | 0.5% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. District of Columbia credit unions report about 46 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large District of Columbia credit unions serve members in other states, so it overstates true in-state penetration.)
The median District of Columbia credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median District of Columbia CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.25% | 0.66% |
| Net worth ratio | 11.62% | 12.44% |
| Loan-to-share ratio | 63.53% | 67.86% |
| Delinquency ratio | 1.03% | 0.63% |
| Net charge-off ratio | 0.32% | 0.33% |
| Cost of funds | 0.55% | 1.05% |
| Member growth (1 yr) | 0.00% | -0.55% |
| Asset growth (1 yr) | -0.51% | 2.78% |
| Loan growth (1 yr) | -3.95% | 0.63% |
| Share growth (1 yr) | -1.18% | 2.36% |
| Net worth growth (1 yr) | 2.02% | 5.57% |
Trends over time
The median District of Columbia credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.41% · 0.72%
— District of Columbia ‑‑ U.S.
Net worth ratio 12.24% · 12.46%
— District of Columbia ‑‑ U.S.
Loan-to-share ratio 63.28% · 69.70%
— District of Columbia ‑‑ U.S.
Delinquency ratio 1.18% · 0.72%
— District of Columbia ‑‑ U.S.
Asset growth (1 yr) 0.87% · 3.26%
— District of Columbia ‑‑ U.S.
Member growth (1 yr) -0.04% · -0.52%
— District of Columbia ‑‑ U.S.
District of Columbia leaderboards
Largest by assets
- 1 Bank Fund Staff Credit Union $7.06B
- 2 Congressional Credit Union $1.33B
- 3 IDB-IIC Credit Union $846.3M
- 4 Department of Commerce Credit Union $762.4M
- 5 Library of Congress Credit Union $341.8M
- 6 O.A.S. Staff Credit Union $289.7M
- 7 Department of the Interior Credit Union $273.2M
- 8 Treasury Department Credit Union $179.6M
- 9 Dept of Labor Credit Union $140.0M
- 10 F R B Credit Union $124.2M
Highest return on assets
- 1 Bank Fund Staff Credit Union 0.97%
- 2 Department of the Interior Credit Union 0.89%
- 3 Library of Congress Credit Union 0.72%
- 4 Congressional Credit Union 0.65%
- 5 Department of Commerce Credit Union 0.48%
- 6 IDB-IIC Credit Union 0.48%
- 7 Engraving and Printing Credit Union 0.47%
- 8 Treasury Department Credit Union 0.25%
- 9 F R B Credit Union 0.22%
- 10 District Government Employees Credit Union 0.10%
Fastest-growing (organic)
- 1 Bank Fund Staff Credit Union 5.86%
- 2 Congressional Credit Union 3.08%
- 3 IDB-IIC Credit Union 2.83%
- 4 Dept of Labor Credit Union 1.76%
- 5 O.A.S. Staff Credit Union 0.81%
- 6 Library of Congress Credit Union 0.49%
- 7 Engraving and Printing Credit Union 0.38%
- 8 Treasury Department Credit Union 0.01%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in District of Columbia that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.