D
O.A.S. Staff Federal Credit Union
Rating Date
July 2025
Net Capital
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Capital
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0 on a scale of 0 to 10). Very Weak current capitalization (0.5 on a scale of 0 to 10) based on a net capital to total assets of 3.8 and a net worth ratio of 0.0.
Other Rating Factors: A current level of 39.7 percent of nonperforming loans to core capital combined with 12.4 percent from a year earlier contributes to the Weak asset quality (1.7).
Asset Mix: Home mtgs (45%), securities (11%), consumer loans (5%), other (40%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
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Hot Money
Corporate Info
Address
1889 F Street, NW
Washington, DC 20006
Phone Number
(202) 458-3834
NCUA Charter Number