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
Call Report peers
Hampton Roads Educ Credit Union Inc in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Hampton Roads Educ Credit Union Inc sits in 70-74 with 317 others.
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: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 43.43% here, 59.80% peer average (-16.37 pp).
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.
- One place up in Virginia, Virginia State University (#66) ties at 73/100; one place down, Pwc Employees (#68) scores 72/100, 1 point lower.
Hampton Roads Educ Credit Union Inc Call Report trajectory
Hampton Roads Educ Credit Union Inc: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $45.8M (2025Q4) to $46.5M (2026Q1).
- Net-worth ratio shifted -0.01 pp (8.41% → 8.40%).
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
Hampton Roads Educ Credit Union Inc gives up 27 points in total. Member Growth costs the most, 10 of its 15; Return on Assets loses the least, 1.9.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Hampton Roads Educ Credit Union Inc financially healthy?
On its 2025Q4 NCUA 5300 filing, Hampton Roads Educ Credit Union Inc scores 73/100 (Very Good), with a 8.40% net worth ratio and 1.17% of loans delinquent. It ranks #3,427 of 4,374 nationally on health and #67 of 95 in Virginia.
How does Hampton Roads Educ Credit Union Inc compare to other credit unions?
Hampton Roads Educ Credit Union Inc scores 73/100, higher than 21% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (43.43% vs 59.80%).
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?
Hampton Roads Educ Credit Union Inc is a state-chartered 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. Hampton Roads Educ Credit Union Inc's net worth ratio of 8.40% 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.