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
Call Report peers
Beach Municipal in the assets neighbourhood
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
Beach Municipal sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in Virginia, Norfolk Fire Department (#31) ties at 85/100; one place down, Central Virginia (#33) ties at 85/100.
Beach Municipal: 2025Q4 → 2026Q1
Beach Municipal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $188.3M (2025Q4) to $194.6M (2026Q1).
- Net-worth ratio shifted -0.06 pp (13.79% → 13.73%).
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
Beach Municipal gives up 15 points in total. Member Growth costs the most, 8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Beach Municipal financially healthy?
Beach Municipal has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,940 of 4,374 nationally on health and #32 of 95 in Virginia. Its net worth ratio is 13.73% and its delinquency rate 0.97%.
How does Beach Municipal compare to other credit unions?
Beach Municipal scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.73% vs 12.11%). Its widest shortfall is loan-to-share ratio (58.25% vs 72.20%).
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?
Beach Municipal 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. Beach Municipal's net worth ratio of 13.73% 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.