Federal credit union · NARROWS, Virginia · NCUA charter #11254
Celco Community
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $143.1M
- Total assets
- 7,330
- Members
- 20.2%
- Net-worth ratio
Celco Community scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $143.1M; members 7,330; net-worth ratio 20.16%; health rank #1,035 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,035 of 4,374 health · 2025Q4Celco Community · health 90/100 · $143.1M · 2025Q4
- BOOK 90/100
- CHARTER 20.2%
- NCUSIF 1.29%
- CAMELS 0.98%
- HEALTH $143.1M
- NW 7,330
- DELQ #1,035/4,374
- ROA WCLA
- ASSETS 11254
Call Report peers
Celco Community in the assets neighbourhood
Celco Community's $143.1M assets sit next to WCLA ($143.3M) 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.
Celco Community 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
90 Top 27% higher than 73% 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
Celco Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #11254 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Celco Community diverges from peer averages
- Net Worth Ratio leads the peer set - 20.16% here, 12.11% peer average (+8.05 pp).
- Loan-to-Share Ratio trails the peer set - 66.08% here, 72.20% peer average (-6.12 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Celco Community in Virginia
- Health composite ranks #16 of 95 among scored Virginia credit unions.
- Virginia assets place: #40 of 95.
- Membership ranks #47 of 95 among Virginia CUs with a reported count (7,330 members).
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Celco Community Call Report trajectory
Celco Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $143.1M (2025Q4) to $145.8M (2026Q1).
- Net-worth ratio shifted -0.07 pp (20.23% → 20.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 20.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.8 pts
- Return on Assets 15.0 pts
- Member Growth 13.4 pts
- Loan-to-Share Ratio 13.8 pts
Call Report ratios for Celco Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.16% | +8.05 pp |
| Delinquency Rate | 1.29% | +0.39 pp |
| Return on Assets | 0.98% | +0.36 pp |
| Member Growth | 3.68% | - |
| Loan-to-Share Ratio | 66.08% | -6.12 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $145.8M | - |
| 2025Q4 | $143.1M | 7,330 |
| 2024Q4 | $139.3M | 7,070 |
| 2023Q4 | $137.5M | 6,839 |
Credit Union Details
- Charter Number
- 11254
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- NARROWS
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Celco Community, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Celco Community Main Branch (Main Office) | NARROWS, VA |
| STAR credit union | Beckley, WV |
| CO-OP SHARED BRANCHING | NARROWS, VA |
| Celco Community Pembroke Branch | Pembroke, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
Celco Community nationwide neighbourhoods
Cross-state asset and health neighbours for Celco Community - kept outside Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($143.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Celco Community ranks #1,035 of 4,374 nationally on financial health and #16 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Healthcare Systems is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Healthcare Systems
- 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 Celco Community financially healthy?
Celco Community has a financial health score of 90/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,035 of 4,374; by total assets it ranks #1,528 of 4,374 nationally (same basis as /rankings/largest); and #40 of 95 within Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 20.16% and delinquency rate of 1.29%.
How does Celco Community compare to other credit unions?
Celco Community scores 90/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Celco Community?
Celco Community 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 Celco Community directly for the exact boundaries and application steps.
Is my money safe at Celco Community?
Federal credit unions like Celco Community 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. Celco Community's net worth ratio of 20.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Celco Community offer compared to banks?
Credit unions like Celco Community 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 Celco Community 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.