Federal credit union · Radford, Virginia · NCUA charter #14898
Inland Motor Employees
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $1.5M
- Total assets
- 501
- Members
- 22.9%
- Net-worth ratio
Inland Motor Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #14898, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Inland Motor Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)41
- Earnings (ROA)93
- Member growth55
- Liquidity (loan-to-share)53
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
22.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 22.93% | 30% |
| Delinquency Rate | 2.35% | 25% |
| Return on Assets | 0.43% | 15% |
| Member Growth | -0.40% | 15% |
| Loan-to-Share Ratio | 106.60% | 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 | $1.5M | 501 |
| 2024Q4 | $1.6M | 503 |
| 2023Q4 | $1.7M | 538 |
Credit Union Details
- Charter Number
- 14898
- Type
- Federal
- Field of Membership
- Select Employee Group
- Peer Group
- Under $2M
- State
- Virginia
- City
- Radford
- Data Quarter
- 2025Q4
What This Data Says About Inland Motor Employees
The five-factor composite scores Inland Motor Employees at 71/100 (Very Good), reflecting a net worth ratio of 22.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Radford, Virginia, reports 501 members, $1.5M in total assets, and $1.1M in outstanding loans as of Q4 2025 under charter #14898 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
On loan book quality: 2.35% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 106.60% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.43% on net income of $6K 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 -0.40%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Select Employee Group); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
- IBEW LOCAL UNION 80Norfolk, VA · Under $2M93Health
- FIRST BAPTIST CHURCH OF VIENNA (VA)VIENNA, VA · Under $2M67Health
- GLAMORGAN EMPLOYEESLynchburg, VA · Under $2M55Health
- 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 Inland Motor Employees financially healthy?
A 22.93% net worth ratio and a 2.35% delinquency rate feed into Inland Motor Employees's financial health score of 71/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Inland Motor Employees compare to other credit unions?
Inland Motor Employees scores 71/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Inland Motor Employees?
Inland Motor Employees 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 Inland Motor Employees directly for the current list of qualifying groups.
Is my money safe at Inland Motor Employees?
Federal credit unions like Inland Motor Employees 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. Inland Motor Employees's net worth ratio of 22.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Inland Motor Employees offer compared to banks?
Credit unions like Inland Motor Employees 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 Inland Motor Employees 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.