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
- ROA 86/100
- ASSETS 10.3%
- MEM 0.95%
- RANK 0.25%
- PHOTO $190.3M
- BOOK 14,715
- CHARTER #1,836/4,374
- NCUSIF ALDEN
- CAMELS 233
Call Report peers
INFIRST in the assets neighbourhood
INFIRST's $190.3M assets sit next to ALDEN ($190.4M) 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.
INFIRST 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
86 Top 43% higher than 57% 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
INFIRST - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #233 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How INFIRST's 5300 filing moved
INFIRST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $190.3M (2025Q4) to $191.9M (2026Q1).
- Net-worth ratio shifted -0.06 pp (10.41% → 10.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
INFIRST's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($190.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- 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 INFIRST financially healthy?
INFIRST has a financial health score of 86/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,836 of 4,374; by total assets it ranks #1,301 of 4,374 nationally (same basis as /rankings/largest); and #37 of 95 within Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.35% and delinquency rate of 0.95%.
How does INFIRST compare to other credit unions?
On PlainCU's health composite, INFIRST lands at 86/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like INFIRST 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. INFIRST's net worth ratio of 10.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does INFIRST offer compared to banks?
Credit unions like INFIRST 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 INFIRST 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.