Federal credit union · Bristol, Virginia · NCUA charter #11567
Bristol Va School System
Health score 52/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $213K
- Total assets
- 133
- Members
- 19.3%
- Net-worth ratio
Bristol Va School System scores 52/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $213K; members 133; net-worth ratio 19.27%; health rank #4,239 of 4,374; healthier than 3rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,239 of 4,374 health · 2025Q4Bristol Va School System · health 52/100 · $213K · 2025Q4
- DELQ 52/100
- ROA 19.3%
- ASSETS 8.18%
- MEM -0.98%
- RANK $213K
- PHOTO 133
- BOOK #4,239/4,374
- CHARTER n/a
- NCUSIF 11567
Call Report peers
Bristol Va School System carries $213K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bristol Va School System 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
52 3rd percentile higher than 3% 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
Bristol Va School System - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11567: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Bristol Va School System diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 30.99% here, 52.70% peer average (-21.71 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Bristol Va School System in Virginia
- Virginia health ordinal: #93 of 95.
- By total assets, Bristol Va School System is #95 of 95 in Virginia.
- Virginia membership ordinal: #94 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.
How Bristol Va School System's 5300 filing moved
Bristol Va School System: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +8.6% from $213K (2025Q4) to $231K (2026Q1).
- Net-worth ratio shifted -1.83 pp (21.10% → 19.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
19.27% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 52/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 52.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 12.7 pts
- Loan-to-Share Ratio 9.3 pts
Bristol Va School System vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.27% | -3.66 pp |
| Delinquency Rate | 8.18% | +3.70 pp |
| Return on Assets | -0.98% | -1.20 pp |
| Member Growth | 3.10% | - |
| Loan-to-Share Ratio | 30.99% | -21.71 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Bristol Va School System filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $231K | - |
| 2025Q4 | $213K | 133 |
| 2024Q4 | $247K | 129 |
| 2023Q4 | $252K | 122 |
Credit Union Details
- Charter Number
- 11567
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Under $2M
- State
- Virginia
- City
- Bristol
- Data Quarter
- 2025Q4
Branch Location
Bristol Va School System operates a single office in Bristol, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Bristol VA School System FCU (Main Office) | Bristol, 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.
- MOUNT PLEASANT BAPTIST CHURCHALEXANDRIA, VA · Under $2M81Health
- BRUNSWICK COUNTY TEACHERSLawrenceville, VA · Under $2M76Health
- FIRST BAPTIST CHURCH OF VIENNA (VA)VIENNA, VA · Under $2M67Health
- INLAND MOTOR EMPLOYEESRadford, VA · Under $2M71Health
- IBEW LOCAL UNION 80Norfolk, VA · Under $2M93Health
Compare Bristol Va School System vs MOUNT PLEASANT BAPTIST CHURCH
Other-state peers near Bristol Va School System
Cross-state asset and health neighbours for Bristol Va School System - kept outside Virginia; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (52/100 here).
Using this data
- Bristol Va School System ranks #4,239 of 4,374 nationally on financial health and #93 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mount Pleasant Baptist Church is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mount Pleasant Baptist Church
- 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 Bristol Va School System financially healthy?
Bristol Va School System has a financial health score of 52/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,239 of 4,374; by total assets it ranks #4,343 of 4,374 nationally (same basis as /rankings/largest); and #95 of 95 within Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 19.27% and delinquency rate of 8.18%.
How does Bristol Va School System compare to other credit unions?
52/100 is Bristol Va School System's score on PlainCU's health composite, compared to a peer group average for Under $2M 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 Bristol Va School System?
Bristol Va School System is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Bristol Va School System directly to confirm eligibility.
Is my money safe at Bristol Va School System?
Federal credit unions like Bristol Va School System 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. Bristol Va School System's net worth ratio of 19.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bristol Va School System offer compared to banks?
Credit unions like Bristol Va School System 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 Bristol Va School System 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.