Federal credit union · ROANOKE, Virginia · NCUA charter #5604
Roanoke Valley Community
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $103.3M
- Total assets
- 9,061
- Members
- 14.7%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth28
- Liquidity (loan-to-share)95
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.70% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.70% | 30% |
| Delinquency Rate | 0.27% | 25% |
| Return on Assets | 1.51% | 15% |
| Member Growth | -2.63% | 15% |
| Loan-to-Share Ratio | 91.79% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Roanoke Valley Community
The five-factor composite scores Roanoke Valley Community at 88/100 (Excellent), reflecting a net worth ratio of 14.70% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in ROANOKE, Virginia, reports 9,061 members, $103.3M in total assets, and $79.1M in outstanding loans as of Q4 2025 under charter #5604 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.27% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. The loan-to-share ratio of 91.79% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.51% on net income of $1.6M 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 -2.63%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Roanoke Valley Community financially healthy?
Roanoke Valley Community scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.70% 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 14.70% 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.
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.