Federal credit union · Chesapeake, Virginia · NCUA charter #16706
N a E
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $125.9M
- Total assets
- 11,340
- Members
- 15.8%
- Net-worth ratio
N a E scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $125.9M; members 11,340; net-worth ratio 15.81%; health rank #2,229 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,229 of 4,374 health · 2025Q4N a E · health 83/100 · $125.9M · 2025Q4
Call Report peers
N a E in the assets neighbourhood
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N a E vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); N a E sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for N a E
- Loan-to-Share Ratio leads the peer set - 79.48% here, 72.20% peer average (+7.28 pp).
- Largest lag: Return on Assets at 0.25% vs peer 0.62% (-0.37 pp).
Virginia standing for N a E
- Virginia health ordinal: #39 of 95.
- Assets rank #43 of 95 inside Virginia ($125.9M reported).
- Membership ranks #40 of 95 among Virginia CUs with a reported count (11,340 members).
- One place up in Virginia, Peoples Advantage (#38) ties at 83/100; one place down, STRATEGIC (#40) ties at 83/100.
N a E: 2025Q4 → 2026Q1
N a E: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $125.9M (2025Q4) to $126.9M (2026Q1).
- Net-worth ratio shifted -0.06 pp (15.87% → 15.81%).
15.81% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
N a E gives up 17 points in total. Member Growth costs the most, 13.5 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.3 pts
- Member Growth 1.5 pts
- Loan-to-Share Ratio 15.2 pts
N a E health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.81% | +3.70 pp |
| Delinquency Rate | 0.42% | -0.48 pp |
| Return on Assets | 0.25% | -0.37 pp |
| Member Growth | -4.17% | - |
| Loan-to-Share Ratio | 79.48% | +7.28 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
N a E quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $126.9M | - |
| 2025Q4 | $125.9M | 11,340 |
| 2024Q4 | $126.9M | 11,834 |
| 2023Q4 | $128.4M | 12,703 |
Credit Union Details
- Charter Number
- 16706
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- Chesapeake
- Data Quarter
- 2025Q4
Branch Locations (4)
N a E operates 4 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Battlefield (Main Office) | CHESAPEAKE, VA |
| Indian River | CHESAPEAKE, VA |
| Western Branch | CHESAPEAKE, VA |
| Sungard/Harland | PHILADELPHIA, PA |
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.
Other-state peers near N a E
Using this data
- N a E ranks #2,229 of 4,374 nationally on financial health and #39 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRUENERGY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRUENERGY
Frequently Asked Questions
Is N a E financially healthy?
N a E has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,229 of 4,374 nationally on health and #39 of 95 in Virginia. Its net worth ratio is 15.81% and its delinquency rate 0.42%.
How does N a E compare to other credit unions?
N a E scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (79.48% vs 72.20%). Its widest shortfall is return on assets (0.25% vs 0.62%).
How can I join N a E?
N a E 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 N a E directly for the exact boundaries and application steps.
Is my money safe at N a E?
N a E 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. N a E's net worth ratio of 15.81% 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.