Federal credit union · Fairfax, Virginia · NCUA charter #11307
APPLE
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $5.44B
- Total assets
- 266,924
- Members
- 10.8%
- Net-worth ratio
APPLE scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.44B; members 266,924; net-worth ratio 10.83%; health rank #64 of 4,374; healthier than 98th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#64 of 4,374 health · 2025Q4APPLE · health 99/100 · $5.44B · 2025Q4
- DELQ 99/100
- ROA 10.8%
- ASSETS 0.61%
- MEM 0.64%
- RANK $5.44B
- PHOTO 266,924
- BOOK #64/4,374
- CHARTER TRAVIS
- NCUSIF 11307
Call Report peers
APPLE in the assets neighbourhood
APPLE's $5.44B assets sit next to TRAVIS ($5.48B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
APPLE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
99 Top 2% higher than 98% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
APPLE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11307: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
APPLE: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.27 pp (0.61% vs 0.87%).
- Largest lag: Loan-to-Share Ratio at 73.52% vs peer 83.90% (-10.38 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
APPLE: in-state Call Report ranks
- Virginia health ordinal: #1 of 95.
- Assets rank #5 of 95 inside Virginia ($5.44B reported).
- Virginia membership ordinal: #6 of 95.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for APPLE
APPLE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $5.44B (2025Q4) to $5.62B (2026Q1).
- Net-worth ratio shifted +0.15 pp (10.68% → 10.83%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.83% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.9 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for APPLE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.83% | -0.35 pp |
| Delinquency Rate | 0.61% | -0.27 pp |
| Return on Assets | 0.64% | +0.13 pp |
| Member Growth | 5.64% | - |
| Loan-to-Share Ratio | 73.52% | -10.38 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.62B | - |
| 2025Q4 | $5.44B | 266,924 |
| 2024Q4 | $4.62B | 252,683 |
| 2023Q4 | $4.33B | 242,473 |
Credit Union Details
- Charter Number
- 11307
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Virginia
- City
- Fairfax
- Data Quarter
- 2025Q4
Branch Locations (24)
APPLE operates 24 offices across 15 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Fairfax Corner Branch (Main Office) | Fairfax, VA |
| Mount Vernon Branch | Alexandria, VA |
| Kingstowne Branch | Alexandria, VA |
| Ashburn Branch | Ashburn, VA |
| Burke Centre Branch | Burke, VA |
| Centreville Branch | Centreville, VA |
| Chantilly Branch | Chantilly, VA |
| Fairfax Branch | Fairfax, VA |
| Fairfax - Members Way Branch | Fairfax, VA |
| Government Center Branch | Fairfax, VA |
| Herrity Branch | Fairfax, VA |
| Falls Church Branch | Falls Church, VA |
| Merrifield Branch | Falls Church, VA |
| Bailey's Crossroads Branch | Falls Church, VA |
| Gainesville Branch | Gainesville, VA |
| Herndon Branch | Herndon, VA |
| Sudley Manor Branch | Manassas, VA |
| Manassas Branch | Manassas, VA |
| Springfield Branch | Springfield, VA |
| Stafford Branch | Stafford, VA |
| Sterling Branch | Sterling, VA |
| Winchester Branch | Winchester, VA |
| Woodbridge Branch | Woodbridge, VA |
| Lake Ridge Branch | Woodbridge, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for APPLE, both outside Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($5.44B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- APPLE ranks #64 of 4,374 nationally on financial health and #1 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LANGLEY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LANGLEY
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is APPLE financially healthy?
APPLE scores 99/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #64 of 4,374; by total assets it ranks #75 of 4,374 nationally (same basis as /rankings/largest); and #5 of 95 within Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.83% net worth ratio and a 0.61% delinquency rate.
How does APPLE compare to other credit unions?
99/100 is APPLE's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join APPLE?
APPLE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact APPLE directly for the exact boundaries and application steps.
Is my money safe at APPLE?
Federal credit unions like APPLE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. APPLE's net worth ratio of 10.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does APPLE offer compared to banks?
Credit unions like APPLE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact APPLE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.