Federal credit union · FRANKLIN, Virginia · NCUA charter #4616
BRONCO
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $283.0M
- Total assets
- 19,291
- Members
- 11.0%
- Net-worth ratio
BRONCO scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $283.0M; members 19,291; net-worth ratio 10.97%; health rank #807 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#807 of 4,374 health · 2025Q4BRONCO · health 92/100 · $283.0M · 2025Q4
Call Report peers
BRONCO in the assets neighbourhood
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BRONCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BRONCO sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
BRONCO: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 81.36% vs peer 72.20% (+9.16 pp).
- Net Worth Ratio trails the peer set - 10.97% here, 12.11% peer average (-1.14 pp).
Where BRONCO sits in Virginia
- Health composite ranks #11 of 95 among scored Virginia credit unions.
- Assets rank #33 of 95 inside Virginia ($283.0M reported).
- Member book place in Virginia: #30 of 95.
- One place up in Virginia, Rva Financial (#10) ties at 92/100; one place down, Pfd Firefighters Credit Union Inc. (#12) scores 91/100, 1 point lower.
Quarter path for BRONCO
BRONCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $283.0M (2025Q4) to $293.1M (2026Q1).
- Net-worth ratio shifted +0.17 pp (10.80% → 10.97%).
10.97% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
BRONCO gives up 8 points in total. Delinquency Rate costs the most, 7.6 of its 25; Member Growth and Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.4 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
BRONCO health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.97% | -1.14 pp |
| Delinquency Rate | 1.35% | +0.46 pp |
| Return on Assets | 1.16% | +0.54 pp |
| Member Growth | 4.98% | - |
| Loan-to-Share Ratio | 81.36% | +9.16 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
BRONCO filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $293.1M | - |
| 2025Q4 | $283.0M | 19,291 |
| 2024Q4 | $260.8M | 18,376 |
| 2023Q4 | $251.9M | 18,600 |
Credit Union Details
- Charter Number
- 4616
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- FRANKLIN
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for BRONCO, spread across 2 cities.
| Office | City |
|---|---|
| Stewart Drive Office (Main Office) | Franklin, VA |
| Godwin Blvd Office | Suffolk, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Cross-state Call Report peers for BRONCO
Similar total assets
Using this data
- BRONCO ranks #807 of 4,374 nationally on financial health and #11 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HOMEBASE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HOMEBASE
Frequently Asked Questions
Is BRONCO financially healthy?
BRONCO has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #807 of 4,374 nationally on health and #11 of 95 in Virginia. Its net worth ratio is 10.97% and its delinquency rate 1.35%.
How does BRONCO compare to other credit unions?
BRONCO scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.36% vs 72.20%). Its widest shortfall is net worth ratio (10.97% vs 12.11%).
How can I join BRONCO?
BRONCO operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact BRONCO directly for the exact boundaries and application steps.
Is my money safe at BRONCO?
BRONCO 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. BRONCO's net worth ratio of 10.97% 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.