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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Bristol Va School System sits in 50-54 with 82 others.
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
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).
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.
- One place up in Virginia, DEMOCRACY (#92) scores 55/100, 3 points higher; one place down, Patent and Trademark Office (#94) scores 49/100, 3 points lower.
How Bristol Va School System's 5300 filing moved
Bristol Va School System: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +8.6% from $213K (2025Q4) to $231K (2026Q1).
- Net-worth ratio shifted -1.83 pp (21.10% → 19.27%).
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
Bristol Va School System gives up 48 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Bristol Va School System financially healthy?
On its 2025Q4 NCUA 5300 filing, Bristol Va School System scores 52/100 (Fair), with a 19.27% net worth ratio and 8.18% of loans delinquent. It ranks #4,239 of 4,374 nationally on health and #93 of 95 in Virginia.
How does Bristol Va School System compare to other credit unions?
Bristol Va School System scores 52/100, higher than 3% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (30.99% vs 52.70%).
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?
Bristol Va School System 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. Bristol Va School System's net worth ratio of 19.27% 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.