State credit union · Newport News, Virginia · NCUA charter #66970
Newport News Mun. Emp Credit Union
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $54.8M
- Total assets
- 3,938
- Members
- 9.6%
- Net-worth ratio
Newport News Mun. Emp Credit Union - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66970. See our deposit-insurance coverage note.
Newport News Mun. Emp Credit Union - 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)97
- Asset quality (delinquency)58
- Earnings (ROA)100
- Member growth26
- Liquidity (loan-to-share)70
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.59% 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 | 9.59% | 30% |
| Delinquency Rate | 1.72% | 25% |
| Return on Assets | 1.43% | 15% |
| Member Growth | -2.84% | 15% |
| Loan-to-Share Ratio | 49.96% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $54.8M | 3,938 |
| 2024Q4 | $52.1M | 4,053 |
| 2023Q4 | $51.9M | 4,244 |
Credit Union Details
- Charter Number
- 66970
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Virginia
- City
- Newport News
- Data Quarter
- 2025Q4
What This Data Says About Newport News Mun. Emp Credit Union
The five-factor composite scores Newport News Mun. Emp Credit Union at 73/100 (Very Good), reflecting a net worth ratio of 9.59% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Newport News, Virginia, reports 3,938 members, $54.8M in total assets, and $24.9M in outstanding loans as of Q4 2025 under charter #66970 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
On loan book quality: 1.72% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Meanwhile a 49.96% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.43% on net income of $786K 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 -2.84%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
- HOPEWELL CHEMICALHopewell, VA · $50M–$100M87Health
- LOUDOUN CREDIT UNIONLeesburg, VA · $50M–$100M71Health
- CREDIT UNION OF RICHMOND INCORPORATRichmond, VA · $50M–$100M75Health
- NORTHERN STAR CREDIT UNION, INC.Portsmouth, VA · $50M–$100M81Health
- VIRGINIA EDUCATORS CREDIT UNIONNewport News, VA · $50M–$100M77Health
Compare Newport News Mun. Emp Credit Union vs HOPEWELL CHEMICAL
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 Newport News Mun. Emp Credit Union financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Newport News Mun. Emp Credit Union carries a financial health score of 73/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.59% net worth ratio and a 1.72% delinquency rate.
How does Newport News Mun. Emp Credit Union compare to other credit unions?
Newport News Mun. Emp Credit Union scores 73/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Newport News Mun. Emp Credit Union?
Membership eligibility for Newport News Mun. Emp Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Newport News Mun. Emp Credit Union directly for current membership requirements and application steps.
Is my money safe at Newport News Mun. Emp Credit Union?
Federal credit unions like Newport News Mun. Emp Credit Union 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. Newport News Mun. Emp Credit Union's net worth ratio of 9.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Newport News Mun. Emp Credit Union offer compared to banks?
Credit unions like Newport News Mun. Emp Credit Union 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 Newport News Mun. Emp Credit Union 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.