State credit union · FISHERSVILLE, Virginia · NCUA charter #66933
Augusta Health Care Credit Union
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $14.6M
- Total assets
- 1,435
- Members
- 21.2%
- Net-worth ratio
Augusta Health Care Credit Union - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66933. See our deposit-insurance coverage note.
Augusta Health Care Credit Union - 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)100
- Earnings (ROA)100
- Member growth62
- Liquidity (loan-to-share)70
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 21.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.16% | 30% |
| Delinquency Rate | 0.13% | 25% |
| Return on Assets | 2.06% | 15% |
| Member Growth | 0.21% | 15% |
| Loan-to-Share Ratio | 49.54% | 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 | $14.6M | 1,435 |
| 2024Q4 | $14.4M | 1,432 |
| 2023Q4 | $14.4M | 1,429 |
Credit Union Details
- Charter Number
- 66933
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Virginia
- City
- FISHERSVILLE
- Data Quarter
- 2025Q4
What This Data Says About Augusta Health Care Credit Union
1,435 members and $14.6M in total assets sit behind Augusta Health Care Credit Union, a state credit union in FISHERSVILLE, Virginia, which posts a health score of 90/100 (Excellent) on the five-factor composite, with $5.7M in outstanding loans as of Q4 2025 and a net worth ratio of 21.16% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #66933 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.13% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 49.54% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 2.06% on net income of $300K 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 0.21%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) 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
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
- VIRGINIA UNITED METHODISTNorth Chesterfi, VA · $10M–$50M59Health
- VIRGINIA STATE UNIVERSITYSouth Chesterfi, VA · $10M–$50M56Health
- METROPOLITAN CHURCHSUFFOLK, VA · $10M–$50M65Health
- RICHMOND HERITAGERichmond, VA · $10M–$50M61Health
- VA BEACH POSTALVirginia Beach, VA · $10M–$50M82Health
Compare Augusta Health Care Credit Union vs VIRGINIA UNITED METHODIST
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 Health Care Credit Union financially healthy?
Augusta Health Care Credit Union has a financial health score of 90/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 21.16% and delinquency rate of 0.13%.
How does Augusta Health Care Credit Union compare to other credit unions?
On PlainCU's health composite, Augusta Health Care Credit Union lands at 90/100, 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 Health Care Credit Union?
Membership eligibility for Augusta Health Care Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Augusta Health Care Credit Union directly for current membership requirements and application steps.
Is my money safe at Augusta Health Care Credit Union?
Federal credit unions like Augusta Health Care Credit Union 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 Health Care Credit Union's net worth ratio of 21.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Augusta Health Care Credit Union offer compared to banks?
Credit unions like Augusta Health Care Credit Union 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 Health Care Credit Union 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.