State credit union · Newport News, Virginia · NCUA charter #66970
Newport News Mun. Emp Credit Union
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $54.8M
- Total assets
- 3,938
- Members
- 9.9%
- Net-worth ratio
Newport News Mun. Emp Credit Union scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $54.8M; members 3,938; net-worth ratio 9.89%; health rank #3,355 of 4,374; healthier than 23rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,355 of 4,374 health · 2025Q4Newport News Mun. Emp · health 74/100 · $54.8M · 2025Q4
- PHOTO 74/100
- BOOK 9.9%
- CHARTER 1.72%
- NCUSIF 1.43%
- CAMELS $54.8M
- HEALTH 3,938
- NW #3,355/4,374
- DELQ FEDTRUST
- ROA 66970
Call Report peers
Newport News Mun. Emp Credit Union in the assets neighbourhood
Newport News Mun. Emp Credit Union's $54.8M assets sit next to FEDTRUST ($54.8M) 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.
Newport News Mun. Emp Credit Union 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
74 23rd percentile higher than 23% 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
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: Call Report deltas vs peers
- Largest favorable gap: Return on Assets at 1.43% vs peer 0.66% (+0.78 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.64 pp (49.96% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Virginia standing for Newport News Mun. Emp Credit Union
- Virginia health ordinal: #65 of 95.
- By total assets, Newport News Mun. Emp Credit Union is #58 of 95 in Virginia.
- Member book place in Virginia: #58 of 95.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Newport News Mun. Emp Credit Union
Newport News Mun. Emp Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $54.8M (2025Q4) to $55.2M (2026Q1).
- Net-worth ratio shifted +0.30 pp (9.59% → 9.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.89% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 29.7 pts
- Delinquency Rate 14.6 pts
- Return on Assets 15.0 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 10.8 pts
Newport News Mun. Emp health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.89% | -3.73 pp |
| Delinquency Rate | 1.72% | +0.75 pp |
| Return on Assets | 1.43% | +0.78 pp |
| Member Growth | -2.84% | - |
| Loan-to-Share Ratio | 49.96% | -12.64 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Newport News Mun. Emp Credit Union
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $55.2M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Newport News Mun. Emp Credit Union runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| NNMECU (Main Office) | Newport News, VA |
| Integrasys | Frisco, TX |
| CO-OP Shared Branching web site | Newport News, 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.
- HOPEWELL CHEMICALHopewell, VA · $50M–$100M89Health
- 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
Other-state peers near Newport News Mun. Emp Credit Union
Two NCUA Call Report peer sets for Newport News Mun. Emp Credit Union, both outside Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($54.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- Newport News Mun. Emp Credit Union ranks #3,355 of 4,374 nationally on financial health and #65 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hopewell Chemical is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hopewell Chemical
- 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 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 74/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,355 of 4,374; by total assets it ranks #2,336 of 4,374 nationally (same basis as /rankings/largest); and #58 of 95 within Virginia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.89% 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 74/100 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 9.89% 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.
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.