Credit Union
BRUNSWICK COUNTY TEACHERS
Health Score
58/100
Total Assets
$480K
Members
283
Lawrenceville, Virginia
2026 data Public-data reference. official source

BRUNSWICK COUNTY TEACHERS

Open-data reference.

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Lawrenceville, Virginia · Charter #10636 · Federal Credit Union
58
Health Score
Fair

Health Score

58/100

PlainCU 5-factor composite (NCUA 5300 Call Report)

Charter #

10636

NCUA-issued institution identifier

Source

NCUA

Quarterly 5300 Call Report — 2025Q4

BRUNSWICK COUNTY TEACHERS — Share Insurance Coverage

Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.

NCUSIF coverage gauge for BRUNSWICK COUNTY TEACHERS Share insurance under NCUSIF covers up to $250,000 per share owner. BRUNSWICK COUNTY TEACHERS holds approximately $284K in member shares. Composite CAMELS rating bracket 3 (Fair). Risk-based capital ratio 29.6 percent. Share Insurance Coverage Federal NCUSIF — $250K per share owner 1 2 3 4 5 CAMELS 3 · Fair RBC ratio 29.6% · $284K member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 — share insurance under Title II of the Federal Credit Union Act

BRUNSWICK COUNTY TEACHERS — Five Health Pillars

Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.

Health Pillars (0-100)

Health Pillars (0-100) Horizontal bar chart of the top 5 items by value. Health Pillars (0-100) Top 5 1. Net Worth 29.60% 2. Loan Quality 1.01% delinq 3. ROA 0.00% 4. Member Growth 0.35% 5. Liquidity 124% LTS Source: NCUA 5300 Call Report — calculations per PlainCU methodology
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

At 29.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$480K
Total Assets
283
Members
$351K
Total Loans
$284K
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 29.60% 30%
Delinquency Rate 1.01% 25%
Return on Assets 0.00% 15%
Member Growth 0.35% 15%
Loan-to-Share Ratio 123.54% 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 $480K 283
2024Q4 $486K 282
2023Q4 $503K 292

Credit Union Details

Charter Number
10636
Type
Federal
Field of Membership
Community
Peer Group
Under $2M
State
Virginia
City
Lawrenceville
Data Quarter
2025Q4

What This Data Says About BRUNSWICK COUNTY TEACHERS

BRUNSWICK COUNTY TEACHERS is a federal credit union headquartered in Lawrenceville, Virginia, serving 283 members with $480K in total assets and $351K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 58/100 (Fair), anchored by a net worth ratio of 29.60% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #10636 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 1.01% measures loans 60+ days past due against total loans outstanding — the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 123.54% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management.

Every deposit account at BRUNSWICK COUNTY TEACHERS is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by 0.35%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Community), and current deposit and loan rates should be verified directly with BRUNSWICK COUNTY TEACHERS before opening any account or borrowing.

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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 BRUNSWICK COUNTY TEACHERS financially healthy?

BRUNSWICK COUNTY TEACHERS has a financial health score of 58/100 (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 29.60% and delinquency rate of 1.01%.

How does BRUNSWICK COUNTY TEACHERS compare to other credit unions?

BRUNSWICK COUNTY TEACHERS scores 58/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 BRUNSWICK COUNTY TEACHERS?

Membership eligibility for BRUNSWICK COUNTY TEACHERS depends on its field of membership — currently: Community. Credit unions typically require a common bond such as employer, location, or association membership. Contact BRUNSWICK COUNTY TEACHERS directly for current membership requirements and application steps.

Is my money safe at BRUNSWICK COUNTY TEACHERS?

Federal credit unions like BRUNSWICK COUNTY TEACHERS 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. BRUNSWICK COUNTY TEACHERS's net worth ratio of 29.60% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does BRUNSWICK COUNTY TEACHERS offer compared to banks?

Credit unions like BRUNSWICK COUNTY TEACHERS 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 BRUNSWICK COUNTY TEACHERS 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.