Federal credit union · ROANOKE, Virginia · NCUA charter #5604
Roanoke Valley Community
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $103.3M
- Total assets
- 9,061
- Members
- 16.0%
- Net-worth ratio
Roanoke Valley Community scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $103.3M; members 9,061; net-worth ratio 16.01%; health rank #1,413 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,413 of 4,374 health · 2025Q4Roanoke Valley Community · health 88/100 · $103.3M · 2025Q4
- PHOTO 88/100
- BOOK 16.0%
- CHARTER 0.27%
- NCUSIF 1.51%
- CAMELS $103.3M
- HEALTH 9,061
- NW #1,413/4,374
- DELQ Valley 1st Community
- ROA 5604
Call Report peers
Roanoke Valley Community in the assets neighbourhood
Roanoke Valley Community's $103.3M assets sit next to Valley 1st Community ($103.3M) 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.
Roanoke Valley Community 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
88 Top 35% higher than 65% 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
Roanoke Valley Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #5604 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Roanoke Valley Community vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +19.59 pp (91.79% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Roanoke Valley Community: in-state Call Report ranks
- In Virginia, health place is #24 of 95 on the same NCUA-ratio sort used nationally.
- By total assets, Roanoke Valley Community is #46 of 95 in Virginia.
- Virginia membership ordinal: #43 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.
Roanoke Valley Community Call Report trajectory
Roanoke Valley Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $103.3M (2025Q4) to $107.1M (2026Q1).
- Net-worth ratio shifted -0.18 pp (16.19% → 16.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 13.7 pts
Roanoke Valley Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.01% | +3.90 pp |
| Delinquency Rate | 0.27% | -0.62 pp |
| Return on Assets | 1.51% | +0.89 pp |
| Member Growth | -2.63% | - |
| Loan-to-Share Ratio | 91.79% | +19.59 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Roanoke Valley Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $107.1M | - |
| 2025Q4 | $103.3M | 9,061 |
| 2024Q4 | $106.0M | 9,306 |
| 2023Q4 | $103.0M | 9,424 |
Credit Union Details
- Charter Number
- 5604
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- ROANOKE
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Roanoke Valley Community, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Roanoke, VA |
| North Roanoke branch | Roanoke, VA |
| Cave Spring Branch | Roanoke, VA |
| Salem Branch | Salem, 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.
Roanoke Valley Community nationwide neighbourhoods
Cross-state asset and health neighbours for Roanoke Valley Community - kept outside Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($103.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Roanoke Valley Community ranks #1,413 of 4,374 nationally on financial health and #24 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CONNECTS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CONNECTS
- 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 Roanoke Valley Community financially healthy?
Roanoke Valley Community scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,413 of 4,374; by total assets it ranks #1,795 of 4,374 nationally (same basis as /rankings/largest); and #46 of 95 within Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.01% net worth ratio and a 0.27% delinquency rate.
How does Roanoke Valley Community compare to other credit unions?
88/100 is Roanoke Valley Community's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Roanoke Valley Community?
Roanoke Valley Community 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 Roanoke Valley Community directly for the exact boundaries and application steps.
Is my money safe at Roanoke Valley Community?
Federal credit unions like Roanoke Valley Community 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. Roanoke Valley Community's net worth ratio of 16.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Roanoke Valley Community offer compared to banks?
Credit unions like Roanoke Valley Community 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 Roanoke Valley Community 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.