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
- CAMELS 88/100
- HEALTH 11.9%
- NW 1.58%
- DELQ 0.35%
- ROA $1.14B
- ASSETS 70,221
- MEM #1,456/4,374
- RANK LAFCU
- PHOTO 151
Call Report peers
JUSTICE in the assets neighbourhood
JUSTICE's $1.14B assets sit next to LAFCU ($1.14B) 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.
JUSTICE 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
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #151 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
JUSTICE: 2025Q4 → 2026Q1
JUSTICE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $1.14B (2025Q4) to $1.16B (2026Q1).
- Net-worth ratio shifted -0.09 pp (12.03% → 11.94%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for JUSTICE - kept outside Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.14B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 JUSTICE financially healthy?
JUSTICE scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,456 of 4,374; by total assets it ranks #422 of 4,374 nationally (same basis as /rankings/largest); and #14 of 95 within Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.94% net worth ratio and a 1.58% delinquency rate.
How does JUSTICE compare to other credit unions?
PlainCU's health composite puts JUSTICE at 88/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like JUSTICE 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. JUSTICE's net worth ratio of 11.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does JUSTICE offer compared to banks?
Credit unions like JUSTICE 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 JUSTICE 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.