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
- PHOTO 92/100
- BOOK 11.0%
- CHARTER 1.35%
- NCUSIF 1.16%
- CAMELS $283.0M
- HEALTH 19,291
- NW #807/4,374
- DELQ ALIVE
- ROA 4616
Call Report peers
BRONCO in the assets neighbourhood
BRONCO's $283.0M assets sit next to ALIVE ($283.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BRONCO 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
92 Top 20% higher than 80% 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
BRONCO - Share Insurance Coverage
Charter #4616's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for BRONCO
BRONCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $283.0M (2025Q4) to $293.1M (2026Q1).
- Net-worth ratio shifted +0.17 pp (10.80% → 10.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
BRONCO's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($283.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- 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 BRONCO financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - BRONCO's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #807 of 4,374; by total assets it ranks #1,064 of 4,374 nationally (same basis as /rankings/largest); and #33 of 95 within Virginia. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.97% net worth ratio and 1.35% delinquency rate are the key drivers.
How does BRONCO compare to other credit unions?
PlainCU's health composite puts BRONCO at 92/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like BRONCO 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. BRONCO's net worth ratio of 10.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BRONCO offer compared to banks?
Credit unions like BRONCO 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 BRONCO 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.