Federal credit union · NORFOLK, Virginia · NCUA charter #22049
Port of Hampton Roads Ila
Health score 53/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $8.4M
- Total assets
- 1,505
- Members
- 3.4%
- Net-worth ratio
Port of Hampton Roads Ila - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #22049 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Port of Hampton Roads Ila - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)29
- Asset quality (delinquency)100
- Earnings (ROA)29
- Member growth37
- Liquidity (loan-to-share)66
Weighted composite: 53/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
3.44% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 3.44% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -0.01% | 15% |
| Member Growth | -1.89% | 15% |
| Loan-to-Share Ratio | 42.83% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $8.4M | 1,505 |
| 2024Q4 | $7.5M | 1,534 |
| 2023Q4 | $7.8M | 1,552 |
Credit Union Details
- Charter Number
- 22049
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Virginia
- City
- NORFOLK
- Data Quarter
- 2025Q4
What This Data Says About Port of Hampton Roads Ila
Headquartered in NORFOLK, Virginia, Port of Hampton Roads Ila is a federal credit union with 1,505 members, $8.4M in total assets, and $3.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 53/100 (Fair), driven in part by a net worth ratio of 3.44% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #22049 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 0.00% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Meanwhile a 42.83% 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 -0.01% on net income of $-996 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 -1.89%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - 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.
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 Port of Hampton Roads Ila financially healthy?
Yes/no aside, the number is 53/100 (Fair) - Port of Hampton Roads Ila's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 3.44% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Port of Hampton Roads Ila compare to other credit unions?
On PlainCU's health composite, Port of Hampton Roads Ila lands at 53/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Port of Hampton Roads Ila?
Port of Hampton Roads Ila serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Port of Hampton Roads Ila directly for the current list of qualifying groups.
Is my money safe at Port of Hampton Roads Ila?
Federal credit unions like Port of Hampton Roads Ila 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. Port of Hampton Roads Ila's net worth ratio of 3.44% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Port of Hampton Roads Ila offer compared to banks?
Credit unions like Port of Hampton Roads Ila 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 Port of Hampton Roads Ila 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.