Federal credit union · Chantilly, Virginia · NCUA charter #151
Justice
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $1.14B
- Total assets
- 70,221
- Members
- 11.1%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)63
- Earnings (ROA)85
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.14% | 30% |
| Delinquency Rate | 1.58% | 25% |
| Return on Assets | 0.35% | 15% |
| Member Growth | 8.34% | 15% |
| Loan-to-Share Ratio | 78.63% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Justice
Headquartered in Chantilly, Virginia, Justice is a federal credit union with 70,221 members, $1.14B in total assets, and $786.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 88/100 (Excellent), driven in part by a net worth ratio of 11.14% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #151 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 78.63% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 1.58% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets stands at 0.35% on net income of $4.0M 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 8.34%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Multiple Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
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 Justice financially healthy?
Justice scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.14% 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 11.14% 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.
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.