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
- NW 83/100
- DELQ 25.9%
- ROA 0.96%
- ASSETS 1.31%
- MEM $25.3M
- RANK 2,379
- PHOTO #2,199/4,374
- BOOK Rim Country
- CHARTER 11744
Call Report peers
Augusta County in the assets neighbourhood
Augusta County's $25.3M assets sit next to Rim Country ($25.4M) 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.
Augusta County 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
83 46th percentile higher than 46% 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
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.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Augusta County Call Report trajectory
Augusta County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $25.3M (2025Q4) to $25.5M (2026Q1).
- Net-worth ratio shifted +0.26 pp (25.67% → 25.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Augusta County's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- 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 Augusta County financially healthy?
Augusta County scores 83/100 (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 #2,199 of 4,374; by total assets it ranks #2,985 of 4,374 nationally (same basis as /rankings/largest); and #67 of 95 within Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 25.93% 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 25.93% 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.
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.