Federal credit union · Bristol, Virginia · NCUA charter #11567
Bristol Va School System
Health score 52/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $213K
- Total assets
- 133
- Members
- 10.6%
- Net-worth ratio
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.
Bristol Va School System - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth85
- Liquidity (loan-to-share)59
Weighted composite: 52/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.63% | 30% |
| Delinquency Rate | 8.18% | 25% |
| Return on Assets | -0.98% | 15% |
| Member Growth | 3.10% | 15% |
| Loan-to-Share Ratio | 30.99% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Bristol Va School System
Headquartered in Bristol, Virginia, Bristol Va School System is a federal credit union with 133 members, $213K in total assets, and $52K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 52/100 (Fair), driven in part by a net worth ratio of 10.63% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #11567 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
8.18% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Deposit deployment is captured by the 30.99% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.98% on net income of $-2078 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 3.10%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Single Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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
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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.63% 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 10.63% 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.
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.