Federal credit union · VIENNA, Virginia · NCUA charter #24535
First Baptist Church of Vienna (va)
Health score 67/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $1.1M
- Total assets
- 194
- Members
- 14.1%
- Net-worth ratio
First Baptist Church of Vienna (va) - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24535: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
First Baptist Church of Vienna (va) - 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)100
- Earnings (ROA)35
- Member growth0
- Liquidity (loan-to-share)45
Weighted composite: 67/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.08% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.02% | 15% |
| Member Growth | -43.44% | 15% |
| Loan-to-Share Ratio | 8.88% | 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 | $1.1M | 194 |
| 2024Q4 | $1.1M | 343 |
| 2023Q4 | $1.2M | 354 |
Credit Union Details
- Charter Number
- 24535
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Virginia
- City
- VIENNA
- Data Quarter
- 2025Q4
What This Data Says About First Baptist Church of Vienna (va)
The five-factor composite scores First Baptist Church of Vienna (va) at 67/100 (Good), reflecting a net worth ratio of 14.08% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in VIENNA, Virginia, reports 194 members, $1.1M in total assets, and $80K in outstanding loans as of Q4 2025 under charter #24535 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 8.88% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.02% on net income of $186 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 -43.44%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
- INLAND MOTOR EMPLOYEESRadford, VA · Under $2M71Health
- BRUNSWICK COUNTY TEACHERSLawrenceville, VA · Under $2M76Health
- IBEW LOCAL UNION 80Norfolk, VA · Under $2M93Health
- MOUNT PLEASANT BAPTIST CHURCHALEXANDRIA, VA · Under $2M81Health
- BRISTOL VA SCHOOL SYSTEMBristol, VA · Under $2M52Health
Compare First Baptist Church of Vienna (va) vs INLAND MOTOR EMPLOYEES
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 First Baptist Church of Vienna (va) financially healthy?
First Baptist Church of Vienna (va) has a financial health score of 67/100 (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 14.08% and delinquency rate of 0.00%.
How does First Baptist Church of Vienna (va) compare to other credit unions?
67/100 is First Baptist Church of Vienna (va)'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 First Baptist Church of Vienna (va)?
First Baptist Church of Vienna (va) 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 First Baptist Church of Vienna (va) directly for the exact boundaries and application steps.
Is my money safe at First Baptist Church of Vienna (va)?
Federal credit unions like First Baptist Church of Vienna (va) 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. First Baptist Church of Vienna (va)'s net worth ratio of 14.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Baptist Church of Vienna (va) offer compared to banks?
Credit unions like First Baptist Church of Vienna (va) 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 First Baptist Church of Vienna (va) 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.