Federal credit union · BLACKSBURG, Virginia · NCUA charter #13544
Poly Scientific Employees
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $5.6M
- Total assets
- 695
- Members
- 25.6%
- Net-worth ratio
Poly Scientific Employees scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.6M; members 695; net-worth ratio 25.63%; health rank #4,044 of 4,374; healthier than 7th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,044 of 4,374 health · 2025Q4Poly Scientific Employees · health 60/100 · $5.6M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Poly Scientific Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Poly Scientific Employees sits in 60-64 with 179 others.
60 7th percentile higher than 7% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Poly Scientific Employees: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 25.63% vs peer 19.06% (+6.57 pp).
- Delinquency Rate trails the peer set - 5.53% here, 1.81% peer average (+3.72 pp).
Poly Scientific Employees: in-state Call Report ranks
- In Virginia, health place is #87 of 95 on the same NCUA-ratio sort used nationally.
- Virginia assets place: #82 of 95.
- Membership ranks #83 of 95 among Virginia CUs with a reported count (695 members).
- One place up in Virginia, First Nrv (#86) scores 61/100, 1 point higher; one place down, MOSAIC (#88) ties at 60/100.
How Poly Scientific Employees's 5300 filing moved
Poly Scientific Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $5.6M (2025Q4) to $5.6M (2026Q1).
- Net-worth ratio shifted -0.01 pp (25.64% → 25.63%).
25.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 60/100 score is built
Poly Scientific Employees gives up 40 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 11.0 pts
- Member Growth 3.7 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.63% | +6.57 pp |
| Delinquency Rate | 5.53% | +3.72 pp |
| Return on Assets | 0.24% | -0.22 pp |
| Member Growth | -2.93% | - |
| Loan-to-Share Ratio | 69.46% | +5.86 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Poly Scientific Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.6M | - |
| 2025Q4 | $5.6M | 695 |
| 2024Q4 | $5.8M | 716 |
| 2023Q4 | $6.4M | 730 |
Credit Union Details
- Charter Number
- 13544
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Virginia
- City
- BLACKSBURG
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Poly Scientific Employees.
| Office | City |
|---|---|
| Office (Main Office) | Blacksburg, VA |
| Vital Records | Blacksburg, VA |
| Disaster Recovery | Blacksburg, VA |
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.
Poly Scientific Employees nationwide neighbourhoods
Similar health score
Using this data
- Poly Scientific Employees ranks #4,044 of 4,374 nationally on financial health and #87 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Care is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Care
Frequently Asked Questions
Is Poly Scientific Employees financially healthy?
Poly Scientific Employees has a financial health score of 60/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,044 of 4,374 nationally on health and #87 of 95 in Virginia. Its net worth ratio is 25.63% and its delinquency rate 5.53%.
How does Poly Scientific Employees compare to other credit unions?
Poly Scientific Employees scores 60/100, higher than 7% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (25.63% vs 19.06%). Its widest shortfall is delinquency rate (5.53% vs 1.81%).
How can I join Poly Scientific Employees?
Poly Scientific Employees 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 Poly Scientific Employees directly for the exact boundaries and application steps.
Is my money safe at Poly Scientific Employees?
Poly Scientific Employees 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. Poly Scientific Employees's net worth ratio of 25.63% 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.