Federal credit union · Chantilly, Virginia · NCUA charter #151
JUSTICE
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $1.14B
- Total assets
- 70,221
- Members
- 11.9%
- Net-worth ratio
JUSTICE scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.14B; members 70,221; net-worth ratio 11.94%; health rank #1,456 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,456 of 4,374 health · 2025Q4JUSTICE · health 88/100 · $1.14B · 2025Q4
Call Report peers
JUSTICE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
JUSTICE vs every NCUA-scored credit union
JUSTICE sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
JUSTICE vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +0.76 pp (11.94% vs 11.18%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -5.27 pp (78.63% vs 83.90%).
Virginia standing for JUSTICE
- Health composite ranks #25 of 95 among scored Virginia credit unions.
- Assets rank #14 of 95 inside Virginia ($1.14B reported).
- Membership ranks #14 of 95 among Virginia CUs with a reported count (70,221 members).
- One place up in Virginia, Roanoke Valley Community (#24) ties at 88/100; one place down, Navy Federal Credit Union (#26) ties at 88/100.
JUSTICE: 2025Q4 → 2026Q1
JUSTICE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $1.14B (2025Q4) to $1.16B (2026Q1).
- Net-worth ratio shifted -0.09 pp (12.03% → 11.94%).
This credit union's 11.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
JUSTICE gives up 12 points in total. Delinquency Rate costs the most, 9.3 of its 25; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.7 pts
- Return on Assets 12.8 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.5 pts
JUSTICE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.94% | +0.76 pp |
| Delinquency Rate | 1.58% | +0.70 pp |
| Return on Assets | 0.35% | -0.15 pp |
| Member Growth | 8.34% | - |
| Loan-to-Share Ratio | 78.63% | -5.27 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
JUSTICE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.16B | - |
| 2025Q4 | $1.14B | 70,221 |
| 2024Q4 | $1.06B | 64,817 |
| 2023Q4 | $969.4M | 62,965 |
Credit Union Details
- Charter Number
- 151
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Virginia
- City
- Chantilly
- Data Quarter
- 2025Q4
Branch Locations (23)
JUSTICE operates 23 offices across 15 cities, spanning 9 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Chantilly Headquarters (Main Office) | Chantilly, VA |
| DEA Branch #3 | Arlington, VA |
| Atlanta Branch #23 | Atlanta, GA |
| West Virginia White Oaks Br #26 | Bridgeport, WV |
| Justice FCU West VA Call Center | Bridgeport, WV |
| Br # 15 West Virginia Call Center | Bridgeport, WV |
| Chantilly Branch #20 | Chantilly, VA |
| Chicago Br #22 | Chicago, IL |
| West Virginia Branch #7 | Clarksburg, WV |
| Forsyth Branch #24 | Forsyth, GA |
| Ft Worth Branch #30 | Ft Worth, TX |
| Br # 18 Houston FBI | Houston, TX |
| Wilshire West Branch #8 | Los Angeles, CA |
| Miami LET Branch #33 | Miami, FL |
| New York Branch #9 | New York, NY |
| Miami Branch #27 | Pembroke Pines, FL |
| DEA Training Academy Branch #11 | Quantico, VA |
| FBI Training Academy Branch #14 | Quantico, VA |
| FBI Branch #1 | Washington, DC |
| Main Justice Branch #2 | Washington, DC |
| WFO Branch #4 | Washington, DC |
| US Courthouse Branch #19 | Washington, DC |
| Constitution Square | 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.
Cross-state Call Report peers for JUSTICE
Using this data
- JUSTICE ranks #1,456 of 4,374 nationally on financial health and #25 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- 1st Advantage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 1st Advantage
Frequently Asked Questions
Is JUSTICE financially healthy?
JUSTICE has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,456 of 4,374 nationally on health and #25 of 95 in Virginia. Its net worth ratio is 11.94% and its delinquency rate 1.58%.
How does JUSTICE compare to other credit unions?
JUSTICE scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (11.94% vs 11.18%). Its widest shortfall is loan-to-share ratio (78.63% vs 83.90%).
How can I join JUSTICE?
JUSTICE 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 JUSTICE directly for the current list of qualifying groups.
Is my money safe at JUSTICE?
JUSTICE 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. JUSTICE's net worth ratio of 11.94% 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.