State credit union · HAMPTON, Virginia · NCUA charter #66913
Hampton Roads Educ Credit Union Inc
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $45.8M
- Total assets
- 4,536
- Members
- 8.4%
- Net-worth ratio
Hampton Roads Educ Credit Union Inc scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.8M; members 4,536; net-worth ratio 8.40%; health rank #3,427 of 4,374; healthier than 21st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,427 of 4,374 health · 2025Q4Hampton Roads Educ · health 73/100 · $45.8M · 2025Q4
- RANK 73/100
- PHOTO 8.4%
- BOOK 1.17%
- CHARTER 0.37%
- NCUSIF $45.8M
- CAMELS 4,536
- HEALTH #3,427/4,374
- NW Skyline Financial
- DELQ 66913
Call Report peers
Hampton Roads Educ Credit Union Inc in the assets neighbourhood
Hampton Roads Educ Credit Union Inc's $45.8M assets sit next to Skyline Financial ($45.9M) 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.
Hampton Roads Educ Credit Union Inc 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
73 21st percentile higher than 21% 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
Hampton Roads Educ Credit Union Inc - Share Insurance Coverage
Charter #66913'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.
Hampton Roads Educ Credit Union Inc: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 43.43% here, 59.80% peer average (-16.37 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Virginia standing for Hampton Roads Educ Credit Union Inc
- Health composite ranks #67 of 95 among scored Virginia credit unions.
- By total assets, Hampton Roads Educ Credit Union Inc is #60 of 95 in Virginia.
- Member book place in Virginia: #56 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.
Hampton Roads Educ Credit Union Inc Call Report trajectory
Hampton Roads Educ Credit Union Inc: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $45.8M (2025Q4) to $46.5M (2026Q1).
- Net-worth ratio shifted -0.01 pp (8.41% → 8.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 26.0 pts
- Delinquency Rate 18.7 pts
- Return on Assets 13.1 pts
- Member Growth 5.0 pts
- Loan-to-Share Ratio 10.2 pts
Call Report ratios for Hampton Roads Educ Credit Union Inc
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.40% | -6.46 pp |
| Delinquency Rate | 1.17% | +0.02 pp |
| Return on Assets | 0.37% | -0.33 pp |
| Member Growth | -2.20% | - |
| Loan-to-Share Ratio | 43.43% | -16.37 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $46.5M | - |
| 2025Q4 | $45.8M | 4,536 |
| 2024Q4 | $43.5M | 4,638 |
| 2023Q4 | $41.5M | 4,697 |
Credit Union Details
- Charter Number
- 66913
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Virginia
- City
- HAMPTON
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Hampton Roads Educ Credit Union Inc, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Hampton Roads Educators' Credit Union (Main Office) | Hampton, VA |
| Commercial Business Systems | Goldsboro, NC |
| Newport News Municipal Municipal Credit Union | Newport News, 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.
- VANTAGE POINTHOPEWELL, VA · $10M–$50M68Health
- PATENT AND TRADEMARK OFFICEALEXANDRIA, VA · $10M–$50M49Health
- FIRST NRVRadford, VA · $10M–$50M61Health
- PFD FIREFIGHTERS CREDIT UNION INC.Portsmouth, VA · $10M–$50M91Health
- LYNCHBURG MUNICIPAL EMPLOYEESLynchburg, VA · $10M–$50M89Health
Compare Hampton Roads Educ Credit Union Inc vs VANTAGE POINT
Cross-state Call Report peers for Hampton Roads Educ
Two NCUA Call Report peer sets for Hampton Roads Educ Credit Union Inc, both outside Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($45.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- Hampton Roads Educ Credit Union Inc ranks #3,427 of 4,374 nationally on financial health and #67 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Vantage Point is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Vantage Point
- 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 Hampton Roads Educ Credit Union Inc financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Hampton Roads Educ Credit Union Inc carries a financial health score of 73/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,427 of 4,374; by total assets it ranks #2,470 of 4,374 nationally (same basis as /rankings/largest); and #60 of 95 within Virginia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.40% net worth ratio and a 1.17% delinquency rate.
How does Hampton Roads Educ Credit Union Inc compare to other credit unions?
Five weighted metrics from NCUA filings produce Hampton Roads Educ Credit Union Inc's 73/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Hampton Roads Educ Credit Union Inc?
Membership eligibility for Hampton Roads Educ Credit Union Inc depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Hampton Roads Educ Credit Union Inc directly for current membership requirements and application steps.
Is my money safe at Hampton Roads Educ Credit Union Inc?
Federal credit unions like Hampton Roads Educ Credit Union Inc 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. Hampton Roads Educ Credit Union Inc's net worth ratio of 8.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hampton Roads Educ Credit Union Inc offer compared to banks?
Credit unions like Hampton Roads Educ Credit Union Inc 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 Hampton Roads Educ Credit Union Inc 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.