Federal credit union · Lawrenceville, Virginia · NCUA charter #10636
Brunswick County Teachers
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $480K
- Total assets
- 283
- Members
- 29.6%
- Net-worth ratio
Brunswick County Teachers - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #10636: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Brunswick County Teachers - 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)80
- Earnings (ROA)100
- Member growth63
- Liquidity (loan-to-share)11
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
29.60% 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 | 29.60% | 30% |
| Delinquency Rate | 1.01% | 25% |
| Return on Assets | 1.78% | 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
Charter #10636, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Brunswick County Teachers, a federal credit union in Lawrenceville, Virginia with 283 members, $480K in total assets, and $351K in outstanding loans as of Q4 2025. The five-factor composite scores it 76/100 (Very Good), helped by a net worth ratio of 29.60% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 1.01% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 123.54% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.78% on net income of $9K 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 0.35%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
- MOUNT PLEASANT BAPTIST CHURCHALEXANDRIA, VA · Under $2M81Health
- BRISTOL VA SCHOOL SYSTEMBristol, VA · Under $2M52Health
- FIRST BAPTIST CHURCH OF VIENNA (VA)VIENNA, VA · Under $2M67Health
- INLAND MOTOR EMPLOYEESRadford, VA · Under $2M71Health
- IBEW LOCAL UNION 80Norfolk, VA · Under $2M93Health
Compare Brunswick County Teachers 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 Brunswick County Teachers financially healthy?
Brunswick County Teachers has a financial health score of 76/100 (Very Good) 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?
76/100 is Brunswick County Teachers'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 Brunswick County Teachers?
Brunswick County Teachers 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 Brunswick County Teachers directly for the exact boundaries 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.
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.