Federal credit union · ALEXANDRIA, Virginia · NCUA charter #20061
SIGNATURE
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $427.6M
- Total assets
- 27,187
- Members
- 10.9%
- Net-worth ratio
SIGNATURE scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $427.6M; members 27,187; net-worth ratio 10.86%; health rank #2,141 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,141 of 4,374 health · 2025Q4SIGNATURE · health 84/100 · $427.6M · 2025Q4
- CAMELS 84/100
- HEALTH 10.9%
- NW 1.10%
- DELQ 0.65%
- ROA $427.6M
- ASSETS 27,187
- MEM #2,141/4,374
- RANK American Southwest
- PHOTO 20061
Call Report peers
SIGNATURE in the assets neighbourhood
SIGNATURE's $427.6M assets sit next to American Southwest ($427.2M) 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.
SIGNATURE 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
84 Top 50% higher than 50% 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
SIGNATURE - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #20061. See our deposit-insurance coverage note.
SIGNATURE vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +28.36 pp (100.56% vs 72.20%).
- Net Worth Ratio trails the peer set - 10.86% here, 12.11% peer average (-1.25 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where SIGNATURE sits in Virginia
- In Virginia, health place is #35 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #25 of 95 inside Virginia ($427.6M reported).
- Membership ranks #26 of 95 among Virginia CUs with a reported count (27,187 members).
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SIGNATURE Call Report trajectory
SIGNATURE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.9% from $427.6M (2025Q4) to $406.7M (2026Q1).
- Net-worth ratio shifted +0.54 pp (10.32% → 10.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.86% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.2 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 10.3 pts
SIGNATURE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.86% | -1.25 pp |
| Delinquency Rate | 1.10% | +0.21 pp |
| Return on Assets | 0.65% | +0.03 pp |
| Member Growth | 0.41% | - |
| Loan-to-Share Ratio | 100.56% | +28.36 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).
SIGNATURE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $406.7M | - |
| 2025Q4 | $427.6M | 27,187 |
| 2024Q4 | $444.0M | 27,077 |
| 2023Q4 | $451.4M | 26,352 |
Credit Union Details
- Charter Number
- 20061
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- ALEXANDRIA
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for SIGNATURE.
| Office | City |
|---|---|
| Signature FCU (Main Office) | Alexandria, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Cross-state Call Report peers for SIGNATURE
Cross-state asset and health neighbours for SIGNATURE - kept outside Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($427.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- SIGNATURE ranks #2,141 of 4,374 nationally on financial health and #35 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Park View is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Park View
- 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 SIGNATURE financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - SIGNATURE's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,141 of 4,374; by total assets it ranks #824 of 4,374 nationally (same basis as /rankings/largest); and #25 of 95 within Virginia. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.86% net worth ratio and 1.10% delinquency rate are the key drivers.
How does SIGNATURE compare to other credit unions?
PlainCU's health composite puts SIGNATURE at 84/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 SIGNATURE?
SIGNATURE 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 SIGNATURE directly for the current list of qualifying groups.
Is my money safe at SIGNATURE?
Federal credit unions like SIGNATURE 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. SIGNATURE's net worth ratio of 10.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SIGNATURE offer compared to banks?
Credit unions like SIGNATURE 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 SIGNATURE 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.