Federal credit union · Newport News, Virginia · NCUA charter #1261
Langley
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $5.65B
- Total assets
- 402,059
- Members
- 8.6%
- Net-worth ratio
Langley - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1261 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Langley - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)89
- Asset quality (delinquency)72
- Earnings (ROA)74
- Member growth81
- Liquidity (loan-to-share)91
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.64% 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 | 8.64% | 30% |
| Delinquency Rate | 1.26% | 25% |
| Return on Assets | 0.24% | 15% |
| Member Growth | 2.65% | 15% |
| Loan-to-Share Ratio | 93.09% | 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 | $5.65B | 402,059 |
| 2024Q4 | $5.40B | 391,662 |
| 2023Q4 | $5.45B | 373,860 |
Credit Union Details
- Charter Number
- 1261
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Virginia
- City
- Newport News
- Data Quarter
- 2025Q4
What This Data Says About Langley
402,059 members and $5.65B in total assets sit behind Langley, a federal credit union in Newport News, Virginia, which posts a health score of 82/100 (Excellent) on the five-factor composite, with $4.53B in outstanding loans as of Q4 2025 and a net worth ratio of 8.64% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #1261 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 1.26% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 93.09% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.24% on net income of $13.4M 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 2.65%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); 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.
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 Langley financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Langley carries a financial health score of 82/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.64% net worth ratio and a 1.26% delinquency rate.
How does Langley compare to other credit unions?
82/100 is Langley's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Langley?
Langley operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Langley directly for the exact boundaries and application steps.
Is my money safe at Langley?
Federal credit unions like Langley 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. Langley's net worth ratio of 8.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Langley offer compared to banks?
Credit unions like Langley 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 Langley 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.