Federal credit union · Alexandria, Virginia · NCUA charter #233
INFIRST
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $190.3M
- Total assets
- 14,715
- Members
- 10.3%
- Net-worth ratio
INFIRST scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $190.3M; members 14,715; net-worth ratio 10.35%; health rank #1,836 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,836 of 4,374 health · 2025Q4INFIRST · health 86/100 · $190.3M · 2025Q4
Call Report peers
INFIRST in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
INFIRST vs every NCUA-scored credit union
INFIRST sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
INFIRST vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 85.59% vs peer 72.20% (+13.39 pp).
- Net Worth Ratio trails the peer set - 10.35% here, 12.11% peer average (-1.76 pp).
Where INFIRST sits in Virginia
- In Virginia, health place is #30 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #37 of 95 inside Virginia ($190.3M reported).
- Member book place in Virginia: #35 of 95.
- One place up in Virginia, VIRGINIA (#29) scores 87/100, 1 point higher; one place down, Norfolk Fire Department (#31) scores 85/100, 1 point lower.
How INFIRST's 5300 filing moved
INFIRST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $190.3M (2025Q4) to $191.9M (2026Q1).
- Net-worth ratio shifted -0.06 pp (10.41% → 10.35%).
At 10.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
INFIRST gives up 14 points in total. Member Growth costs the most, 5.7 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.5 pts
- Return on Assets 11.2 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 15.0 pts
INFIRST health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.35% | -1.76 pp |
| Delinquency Rate | 0.95% | +0.06 pp |
| Return on Assets | 0.25% | -0.37 pp |
| Member Growth | 0.26% | - |
| Loan-to-Share Ratio | 85.59% | +13.39 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
INFIRST filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $191.9M | - |
| 2025Q4 | $190.3M | 14,715 |
| 2024Q4 | $196.0M | 14,677 |
| 2023Q4 | $218.8M | 14,864 |
Credit Union Details
- Charter Number
- 233
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- Alexandria
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for INFIRST, spread across 6 cities in 2 states.
| Office | City |
|---|---|
| Alexandria (Main Office) | Alexandria, VA |
| Fredericksburg | Fredericksburg, VA |
| King George | King George, VA |
| Melrose | Roanoke, VA |
| Poff | Roanoke, VA |
| Salem | Salem, VA |
| OPM | Washington, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
INFIRST nationwide neighbourhoods
Using this data
- INFIRST ranks #1,836 of 4,374 nationally on financial health and #30 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DEMOCRACY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DEMOCRACY
Frequently Asked Questions
Is INFIRST financially healthy?
On its 2025Q4 NCUA 5300 filing, INFIRST scores 86/100 (Excellent), with a 10.35% net worth ratio and 0.95% of loans delinquent. It ranks #1,836 of 4,374 nationally on health and #30 of 95 in Virginia.
How does INFIRST compare to other credit unions?
INFIRST scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (85.59% vs 72.20%). Its widest shortfall is net worth ratio (10.35% vs 12.11%).
How can I join INFIRST?
INFIRST 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 INFIRST directly for the current list of qualifying groups.
Is my money safe at INFIRST?
INFIRST 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. INFIRST's net worth ratio of 10.35% 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.