Federal credit union · Norfolk, Virginia · NCUA charter #20004
Ibew Local Union 80
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $1.8M
- Total assets
- 775
- Members
- 10.7%
- Net-worth ratio
Ibew Local Union 80 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #20004 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Ibew Local Union 80 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)56
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.74% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.74% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 3.65% | 15% |
| Member Growth | 9.46% | 15% |
| Loan-to-Share Ratio | 26.23% | 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 | $1.8M | 775 |
| 2024Q4 | $1.6M | 708 |
| 2023Q4 | $1.5M | 683 |
Credit Union Details
- Charter Number
- 20004
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Under $2M
- State
- Virginia
- City
- Norfolk
- Data Quarter
- 2025Q4
What This Data Says About Ibew Local Union 80
775 members and $1.8M in total assets sit behind Ibew Local Union 80, a federal credit union in Norfolk, Virginia, which posts a health score of 93/100 (Excellent) on the five-factor composite, with $400K in outstanding loans as of Q4 2025 and a net worth ratio of 10.74% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #20004 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers - and a 26.23% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 3.65% on net income of $64K 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 9.46%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
- GLAMORGAN EMPLOYEESLynchburg, VA · Under $2M55Health
- INLAND MOTOR EMPLOYEESRadford, VA · Under $2M71Health
- FIRST BAPTIST CHURCH OF VIENNA (VA)VIENNA, VA · Under $2M67Health
- BRUNSWICK COUNTY TEACHERSLawrenceville, VA · Under $2M76Health
- MOUNT PLEASANT BAPTIST CHURCHALEXANDRIA, VA · Under $2M81Health
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 Ibew Local Union 80 financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - Ibew Local Union 80's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.74% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Ibew Local Union 80 compare to other credit unions?
93/100 is Ibew Local Union 80'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 Ibew Local Union 80?
Ibew Local Union 80 serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Ibew Local Union 80 directly for the current list of qualifying groups.
Is my money safe at Ibew Local Union 80?
Federal credit unions like Ibew Local Union 80 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. Ibew Local Union 80's net worth ratio of 10.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ibew Local Union 80 offer compared to banks?
Credit unions like Ibew Local Union 80 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 Ibew Local Union 80 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.