Federal credit union · VERONA, Virginia · NCUA charter #11744
Augusta County
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $25.3M
- Total assets
- 2,379
- Members
- 24.9%
- Net-worth ratio
Augusta County - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #11744. See our deposit-insurance coverage note.
Augusta County - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)82
- Earnings (ROA)100
- Member growth43
- Liquidity (loan-to-share)74
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 24.94%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 24.94% | 30% |
| Delinquency Rate | 0.96% | 25% |
| Return on Assets | 1.31% | 15% |
| Member Growth | -1.41% | 15% |
| Loan-to-Share Ratio | 52.65% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Augusta County
Headquartered in VERONA, Virginia, Augusta County is a federal credit union with 2,379 members, $25.3M in total assets, and $9.7M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 83/100 (Excellent), driven in part by a net worth ratio of 24.94% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #11744 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.96% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 52.65% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.31% on net income of $332K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.41%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Low Income) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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–$50M80Health
- RICHMOND VIRGINIA FIRE POLICE CREDIRichmond, VA · $10M–$50M87Health
- LYNCHBURG MUNICIPAL EMPLOYEESLynchburg, VA · $10M–$50M89Health
- PFD FIREFIGHTERS CREDIT UNION INC.Portsmouth, VA · $10M–$50M91Health
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Augusta County financially healthy?
Augusta County scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 24.94% net worth ratio and a 0.96% delinquency rate.
How does Augusta County compare to other credit unions?
On PlainCU's health composite, Augusta County lands at 83/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Augusta County 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. Augusta County's net worth ratio of 24.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Augusta County offer compared to banks?
Credit unions like Augusta County 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 Augusta County directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.