Federal credit union · Richmond, Virginia · NCUA charter #15209
CALL
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $535.1M
- Total assets
- 27,618
- Members
- 10.1%
- Net-worth ratio
CALL scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $535.1M; members 27,618; net-worth ratio 10.14%; health rank #2,156 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,156 of 4,374 health · 2025Q4CALL · health 84/100 · $535.1M · 2025Q4
- PHOTO 84/100
- BOOK 10.1%
- CHARTER 0.56%
- NCUSIF 0.19%
- CAMELS $535.1M
- HEALTH 27,618
- NW #2,156/4,374
- DELQ First New York
- ROA 15209
Call Report peers
CALL in the assets neighbourhood
CALL's $535.1M assets sit next to First New York ($535.0M) 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.
CALL 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
84 Top 50% higher than 50% 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
CALL - Share Insurance Coverage
Charter #15209'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.
Where CALL diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.32 pp (0.56% vs 0.87%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -27.24 pp (56.66% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Virginia standing for CALL
- Health composite ranks #36 of 95 among scored Virginia credit unions.
- Virginia assets place: #21 of 95.
- Member book place in Virginia: #25 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 CALL
CALL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.5% from $535.1M (2025Q4) to $570.0M (2026Q1).
- Net-worth ratio shifted -0.61 pp (10.75% → 10.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 10.3 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 11.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.14% | -1.04 pp |
| Delinquency Rate | 0.56% | -0.32 pp |
| Return on Assets | 0.19% | -0.32 pp |
| Member Growth | -0.83% | - |
| Loan-to-Share Ratio | 56.66% | -27.24 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - CALL
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $570.0M | - |
| 2025Q4 | $535.1M | 27,618 |
| 2024Q4 | $509.6M | 27,850 |
| 2023Q4 | $524.0M | 28,609 |
Credit Union Details
- Charter Number
- 15209
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Virginia
- City
- Richmond
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, CALL runs 9 offices in 6 different cities.
| Office | City |
|---|---|
| Headquarters (Main Office) | Glen Allen, VA |
| Chester Office | Chester, VA |
| Hancock Village Office | Chesterfield, VA |
| Hanover Office | Mechanicsville, VA |
| Chesterfield Office | Midlothian, VA |
| Richmond City Office | Richmond, VA |
| Altria HQ | Richmond, VA |
| Henrico Office | Richmond, VA |
| Staples Mill Office | Richmond, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near CALL
CALL's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($535.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- CALL ranks #2,156 of 4,374 nationally on financial health and #36 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Arlington Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Arlington Community
- 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 CALL financially healthy?
A 10.14% net worth ratio and a 0.56% delinquency rate feed into CALL's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,156 of 4,374; by total assets it ranks #723 of 4,374 nationally (same basis as /rankings/largest); and #21 of 95 within Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does CALL compare to other credit unions?
84/100 is CALL's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 CALL?
CALL 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 CALL directly for the exact boundaries and application steps.
Is my money safe at CALL?
Federal credit unions like CALL 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. CALL's net worth ratio of 10.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CALL offer compared to banks?
Credit unions like CALL 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 CALL 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.