Federal credit union · SOUTH BOSTON, Virginia · NCUA charter #23760
Halifax County Community
Health score 38/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 38
- Health / 100
- $6.7M
- Total assets
- 1,588
- Members
- 6.5%
- Net-worth ratio
Halifax County Community scores 38/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.7M; members 1,588; net-worth ratio 6.54%; health rank #4,350 of 4,374; healthier than 1st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,350 of 4,374 health · 2025Q4Halifax County Community · health 38/100 · $6.7M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Halifax County Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Halifax County Community sits in 35-39 with 14 others.
38 1st percentile higher than 1% 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
Halifax County Community: Call Report deltas vs peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -40.69 pp (22.91% vs 63.60%).
Halifax County Community: in-state Call Report ranks
- Virginia health ordinal: #95 of 95.
- Virginia assets place: #80 of 95.
- Virginia membership ordinal: #74 of 95.
- No scored Virginia credit union ranks lower; the next one up, Patent and Trademark Office (#94) scores 49/100, 11 points higher.
Halifax County Community Call Report trajectory
Halifax County Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.4% from $6.7M (2025Q4) to $7.2M (2026Q1).
- Net-worth ratio shifted -0.89 pp (7.43% → 6.54%).
6.54% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 38/100 score is built
Halifax County Community gives up 62 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio loses the least, 6.9.
- Net Worth Ratio 19.1 pts
- Delinquency Rate 10.5 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.4 pts
Call Report ratios for Halifax County Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.54% | -12.52 pp |
| Delinquency Rate | 2.32% | +0.51 pp |
| Return on Assets | -0.57% | -1.02 pp |
| Member Growth | -7.67% | - |
| Loan-to-Share Ratio | 22.91% | -40.69 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Halifax County Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.2M | - |
| 2025Q4 | $6.7M | 1,588 |
| 2024Q4 | $6.5M | 1,720 |
| 2023Q4 | $7.0M | 2,015 |
Credit Union Details
- Charter Number
- 23760
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Virginia
- City
- SOUTH BOSTON
- Data Quarter
- 2025Q4
Branch Locations (2)
Halifax County Community operates 2 offices in South Boston, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Records (Main Office) | South Boston, VA |
| Halifax County Community Federal Credit Union | South Boston, 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.
Cross-state Call Report peers for Halifax County Community
Similar health score
Using this data
- Halifax County Community ranks #4,350 of 4,374 nationally on financial health and #95 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Care is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Care
Frequently Asked Questions
Is Halifax County Community financially healthy?
Halifax County Community has a financial health score of 38/100 (Weak) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,350 of 4,374 nationally on health and #95 of 95 in Virginia. Its net worth ratio is 6.54% and its delinquency rate 2.32%.
How does Halifax County Community compare to other credit unions?
Halifax County Community scores 38/100, higher than 1% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (22.91% vs 63.60%).
How can I join Halifax County Community?
Halifax County 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 Halifax County Community directly for the exact boundaries and application steps.
Is my money safe at Halifax County Community?
Halifax County 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. Halifax County Community's net worth ratio of 6.54% is relative to 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.