O.A.S. Staff Credit Union

1889 F St NW
Washington, DC 20006
202.458.3834
www.oasfcu.org

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O.A.S. Staff Credit Union is headquartered in Washington and is the 9^th largest credit union in the state of District of Columbia. It is also the 1,056^th largest credit union in the nation. It was established in 1962 and as of December of 2011, it had grown to 20 employees and 5,516 members. O.A.S. Staff Credit Union has a 5-star health rating.

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See Rates for: Checking | Savings | CD | IRA

O.A.S. Staff Credit Union Checking Account Rates

Apy	Min	Max	Product
2.10%	-	$6k	Reward Checking - Qualifying
0.05%	-	-	Share Draft Account
0.05%	-	-	Reward Checking - Non Qualifying

O.A.S. Staff Credit Union Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	Clubs Account
0.50%	-	-	IRA
0.25%	-	-	Share Account

O.A.S. Staff Credit Union CD Rates

Apy	Min	Max	Product
2.02%	$2,500	-	60 Month CD
1.51%	$2,500	-	48 Month CD
1.51%	-	-	60 Month Step-up CD
1.26%	$2,500	-	36 Month CD
1.26%	$50	-	48 Month Junior CD
1.10%	$2,500	-	24 Month CD
1.01%	-	-	48 Month Step-up CD
1.01%	$50	-	36 Month Junior CD
1.00%	$2,500	-	18 Month CD
0.90%	$2,500	-	15 Month CD
0.85%	-	-	24 Month Step-up CD
0.85%	$50	-	24 Month Junior CD
0.80%	$2,500	-	12 Month CD
0.76%	-	-	36 Month Step-up CD
0.75%	-	-	18 Month Step-up CD
0.55%	-	-	12 Month Step-up CD
0.55%	$50	-	12 Month Junior CD
0.40%	$2,500	-	6 Month CD
0.35%	$2,500	-	3 Month CD

O.A.S. Staff Credit Union IRA Rates

	Apy	Min	Max	Product
	1.25%	-	-	36 Month IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

O.A.S. STAFF
NCUA #	15000
BankRate Report	View
Year Chartered	1962
Employees	20
Primary Regulator
Assets and Liabilities
Assets	$151.16 million
Loans	$90.28 million
Deposits	$136.83 million
Equity Capital	$13.62 million
Loan Loss Allowance	$596,000
Unbacked Noncurrent Loans	$622,000
Real Estate Owned	$117,000
Historic Data - December 2010
Assets	$148.03 million
Equity Capital	$13.39 million
Loan Loss Allowance	$553,000
Unbacked Noncurrent Loans	$1.44 million
Profit Margin - Quarterly
Net Interest Margin	3.4%
Return on Assets	0.12%
Return on Equity	1.37%
Interest Income	$5.04 million
Non-Interest Income	$789,000

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 O.A.S. Staff Credit Union had $739,000 in non-current loans and owned real-estate with $14.22 million in equity and loan loss allowances on hand to cover it. This gives O.A.S. Staff Credit Union a Texas Ratio of 5.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for O.A.S. Staff Credit Union decreased significantly from 10.33% as of December 31, 2010 to 5.20% as of December 31, 2011, resulting in a positive change of 49.72%.This indicates that the balance sheet and financial strength for O.A.S. Staff Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, O.A.S. Staff Credit Union has increased its total deposits by $3.05 million, resulting in 2.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth O.A.S. Staff Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. O.A.S. Staff Credit Union has $151.16 million in assets with $14.22 million in equity, resulting in a capitalization level of 9.41%, which is average.

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