Federal credit union · VERONA, Virginia · NCUA charter #11744
Augusta County
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $25.3M
- Total assets
- 2,379
- Members
- 25.9%
- Net-worth ratio
Augusta County scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.3M; members 2,379; net-worth ratio 25.93%; health rank #2,199 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,199 of 4,374 health · 2025Q4Augusta County · health 83/100 · $25.3M · 2025Q4
Call Report peers
Augusta County in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Augusta County vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Augusta County sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Augusta County diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 25.93% vs peer 14.86% (+11.07 pp).
- Largest lag: Loan-to-Share Ratio at 52.65% vs peer 59.80% (-7.15 pp).
Virginia standing for Augusta County
- Health composite ranks #37 of 95 among scored Virginia credit unions.
- By total assets, Augusta County is #67 of 95 in Virginia.
- Member book place in Virginia: #67 of 95.
- One place up in Virginia, CALL (#36) scores 84/100, 1 point higher; one place down, Peoples Advantage (#38) ties at 83/100.
Augusta County Call Report trajectory
Augusta County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $25.3M (2025Q4) to $25.5M (2026Q1).
- Net-worth ratio shifted +0.26 pp (25.67% → 25.93%).
At 25.93%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Augusta County gives up 17 points in total. Member Growth costs the most, 8.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.4 pts
- Return on Assets 15.0 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 11.1 pts
Call Report ratios for Augusta County
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.93% | +11.07 pp |
| Delinquency Rate | 0.96% | -0.19 pp |
| Return on Assets | 1.31% | +0.61 pp |
| Member Growth | -1.41% | - |
| Loan-to-Share Ratio | 52.65% | -7.15 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Augusta County quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.5M | - |
| 2025Q4 | $25.3M | 2,379 |
| 2024Q4 | $23.9M | 2,413 |
| 2023Q4 | $25.4M | 2,488 |
Credit Union Details
- Charter Number
- 11744
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Virginia
- City
- VERONA
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Augusta County runs one office.
| Office | City |
|---|---|
| AUGUSTA COUNTY FEDERAL CREDIT UNION (Main Office) | VERONA, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
A look at other Virginia credit unions, ranked by how closely their peer group and asset size match this one.
- NORFOLK FIRE DEPARTMENTNorfolk, VA · $10M–$50M85Health
- STRATEGICSterling, VA · $10M–$50M83Health
- RICHMOND VIRGINIA FIRE POLICE CREDIRichmond, VA · $10M–$50M87Health
- LYNCHBURG MUNICIPAL EMPLOYEESLynchburg, VA · $10M–$50M89Health
- PFD FIREFIGHTERS CREDIT UNION INC.Portsmouth, VA · $10M–$50M91Health
Other-state peers near Augusta County
Using this data
- Augusta County ranks #2,199 of 4,374 nationally on financial health and #37 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Norfolk Fire Department is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Norfolk Fire Department
Frequently Asked Questions
Is Augusta County financially healthy?
Augusta County has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,199 of 4,374 nationally on health and #37 of 95 in Virginia. Its net worth ratio is 25.93% and its delinquency rate 0.96%.
How does Augusta County compare to other credit unions?
Augusta County scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (25.93% vs 14.86%). Its widest shortfall is loan-to-share ratio (52.65% vs 59.80%).
How can I join Augusta County?
Augusta County carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Augusta County directly to confirm current membership steps.
Is my money safe at Augusta County?
Augusta County is a federal credit union; its shares are federally 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. Augusta County's net worth ratio of 25.93% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.