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
Call Report peers
Celco Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Celco Community sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Virginia, Augusta Health Care Credit Union (#15) ties at 90/100; one place down, Arlington Community (#17) ties at 90/100.
Celco Community Call Report trajectory
Celco Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $143.1M (2025Q4) to $145.8M (2026Q1).
- Net-worth ratio shifted -0.07 pp (20.23% → 20.16%).
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
Celco Community gives up 10 points in total. Delinquency Rate costs the most, 7.2 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Celco Community financially healthy?
Celco Community has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,035 of 4,374 nationally on health and #16 of 95 in Virginia. Its net worth ratio is 20.16% and its delinquency rate 1.29%.
How does Celco Community compare to other credit unions?
Celco Community scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (20.16% vs 12.11%). Its widest shortfall is loan-to-share ratio (66.08% vs 72.20%).
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?
Celco Community is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.