Federal credit union · Newport News, Virginia · NCUA charter #1261
LANGLEY
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $5.65B
- Total assets
- 402,059
- Members
- 9.0%
- Net-worth ratio
LANGLEY scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.65B; members 402,059; net-worth ratio 9.01%; health rank #2,482 of 4,374; healthier than 43rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,482 of 4,374 health · 2025Q4LANGLEY · health 82/100 · $5.65B · 2025Q4
- ASSETS 82/100
- MEM 9.0%
- RANK 1.26%
- PHOTO 0.24%
- BOOK $5.65B
- CHARTER 402,059
- NCUSIF #2,482/4,374
- CAMELS EVERWISE
- HEALTH 1261
Call Report peers
LANGLEY in the assets neighbourhood
LANGLEY's $5.65B assets sit next to EVERWISE ($5.64B) 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.
LANGLEY 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
82 43rd percentile higher than 43% 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
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: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +9.19 pp (93.09% vs 83.90%).
- Net Worth Ratio trails the peer set - 9.01% here, 11.18% peer average (-2.17 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
LANGLEY in Virginia
- Virginia health ordinal: #45 of 95.
- Assets rank #4 of 95 inside Virginia ($5.65B reported).
- Membership ranks #4 of 95 among Virginia CUs with a reported count (402,059 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.
LANGLEY Call Report trajectory
LANGLEY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $5.65B (2025Q4) to $5.68B (2026Q1).
- Net-worth ratio shifted +0.09 pp (8.92% → 9.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.01% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 27.5 pts
- Delinquency Rate 18.1 pts
- Return on Assets 11.1 pts
- Member Growth 12.2 pts
- Loan-to-Share Ratio 13.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.01% | -2.17 pp |
| Delinquency Rate | 1.26% | +0.38 pp |
| Return on Assets | 0.24% | -0.27 pp |
| Member Growth | 2.65% | - |
| Loan-to-Share Ratio | 93.09% | +9.19 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).
LANGLEY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.68B | - |
| 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
Branch Locations (21)
Per its most recent NCUA branch filing, LANGLEY runs 21 offices in 12 different cities across 2 states.
| Office | City |
|---|---|
| City Center (Main Office) | Newport News, VA |
| Carrollton Branch | Carrollton, VA |
| Greenbrier Branch | Chesapeake, VA |
| Taylor Road Branch | Chesapeake, VA |
| Short Pump Branch | Glen Allen, VA |
| Gloucester Branch | Gloucester, VA |
| Aberdeen Branch | Hampton, VA |
| Coliseum Branch | Hampton, VA |
| Nickerson Branch | Hampton, VA |
| Denbigh Branch | Newport News, VA |
| Oyster Point Branch | Newport News, VA |
| Stoneybrook Branch | Newport News, VA |
| Wards Corner Branch | Norfolk, VA |
| Hampton Blvd Branch | Norfolk, VA |
| Poquoson Branch | Poquoson, VA |
| North Raleigh Branch | Raleigh, NC |
| Hilltop Branch | Virginia Beach, VA |
| Virginia Beach Town Center | Virginia Beach, VA |
| Salem Road Branch | Virginia Beach, VA |
| Williamsburg New Town Branch | Williamsburg, VA |
| Yorktown Branch | Yorktown, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
LANGLEY nationwide neighbourhoods
Cross-state asset and health neighbours for LANGLEY - kept outside Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($5.65B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- LANGLEY ranks #2,482 of 4,374 nationally on financial health and #45 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- APPLE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with APPLE
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #2,482 of 4,374; by total assets it ranks #72 of 4,374 nationally (same basis as /rankings/largest); and #4 of 95 within Virginia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.01% 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 9.01% 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.
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.