Federal credit union · Virginia Beach, Virginia · NCUA charter #20394
Beach Municipal
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $188.3M
- Total assets
- 9,009
- Members
- 13.7%
- Net-worth ratio
Beach Municipal scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $188.3M; members 9,009; net-worth ratio 13.73%; health rank #1,940 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,940 of 4,374 health · 2025Q4Beach Municipal · health 85/100 · $188.3M · 2025Q4
- NW 85/100
- DELQ 13.7%
- ROA 0.97%
- ASSETS 1.11%
- MEM $188.3M
- RANK 9,009
- PHOTO #1,940/4,374
- BOOK Georgetown Kraft
- CHARTER 20394
Call Report peers
Beach Municipal in the assets neighbourhood
Beach Municipal's $188.3M assets sit next to Georgetown Kraft ($188.2M) 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.
Beach Municipal 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
85 Top 46% higher than 54% 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
Beach Municipal - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #20394 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Beach Municipal
- Largest favorable gap: Net Worth Ratio at 13.73% vs peer 12.11% (+1.62 pp).
- Loan-to-Share Ratio trails the peer set - 58.25% here, 72.20% peer average (-13.95 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Virginia standing for Beach Municipal
- In Virginia, health place is #32 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #39 of 95 inside Virginia ($188.3M reported).
- Member book place in Virginia: #44 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.
Beach Municipal: 2025Q4 → 2026Q1
Beach Municipal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $188.3M (2025Q4) to $194.6M (2026Q1).
- Net-worth ratio shifted -0.06 pp (13.79% → 13.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.73% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.3 pts
- Return on Assets 15.0 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 12.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.73% | +1.62 pp |
| Delinquency Rate | 0.97% | +0.07 pp |
| Return on Assets | 1.11% | +0.49 pp |
| Member Growth | -1.13% | - |
| Loan-to-Share Ratio | 58.25% | -13.95 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Beach Municipal
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $194.6M | - |
| 2025Q4 | $188.3M | 9,009 |
| 2024Q4 | $167.1M | 9,112 |
| 2023Q4 | $163.2M | 9,229 |
Credit Union Details
- Charter Number
- 20394
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- Virginia Beach
- Data Quarter
- 2025Q4
Branch Locations (2)
Beach Municipal operates 2 offices in Virginia Beach, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Thalia (Main Office) | Virginia Beach, VA |
| Princess Anne Rd | Virginia Beach, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
Cross-state Call Report peers for Beach Municipal
Beach Municipal's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($188.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Beach Municipal ranks #1,940 of 4,374 nationally on financial health and #32 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DEMOCRACY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DEMOCRACY
- 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 Beach Municipal financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Beach Municipal carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,940 of 4,374; by total assets it ranks #1,310 of 4,374 nationally (same basis as /rankings/largest); and #39 of 95 within Virginia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.73% net worth ratio and a 0.97% delinquency rate.
How does Beach Municipal compare to other credit unions?
85/100 is Beach Municipal's score on PlainCU's health composite, compared to a peer group average for $100M–$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 Beach Municipal?
Beach Municipal 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 Beach Municipal directly to confirm current membership steps.
Is my money safe at Beach Municipal?
Federal credit unions like Beach Municipal 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. Beach Municipal's net worth ratio of 13.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Beach Municipal offer compared to banks?
Credit unions like Beach Municipal 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 Beach Municipal 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.