Federal credit union · Norfolk, Virginia · NCUA charter #19973
Summit Hampton Roads
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $8.0M
- Total assets
- 1,132
- Members
- 15.3%
- Net-worth ratio
Summit Hampton Roads - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #19973, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Summit Hampton Roads - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)78
- Earnings (ROA)2
- Member growth40
- Liquidity (loan-to-share)100
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 15.31% 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 | 15.31% | 30% |
| Delinquency Rate | 1.06% | 25% |
| Return on Assets | -0.47% | 15% |
| Member Growth | -1.65% | 15% |
| Loan-to-Share Ratio | 69.79% | 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 | $8.0M | 1,132 |
| 2024Q4 | $8.6M | 1,151 |
| 2023Q4 | $9.4M | 1,289 |
Credit Union Details
- Charter Number
- 19973
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Virginia
- City
- Norfolk
- Data Quarter
- 2025Q4
What This Data Says About Summit Hampton Roads
1,132 members and $8.0M in total assets sit behind Summit Hampton Roads, a federal credit union in Norfolk, Virginia, which posts a health score of 71/100 (Very Good) on the five-factor composite, with $4.7M in outstanding loans as of Q4 2025 and a net worth ratio of 15.31% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #19973 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 1.06% 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 69.79% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.47% on net income of $-37898 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 -1.65%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group 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 Summit Hampton Roads financially healthy?
Summit Hampton Roads has a financial health score of 71/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.31% and delinquency rate of 1.06%.
How does Summit Hampton Roads compare to other credit unions?
Summit Hampton Roads scores 71/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Summit Hampton Roads?
Summit Hampton Roads 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 Summit Hampton Roads directly for the exact boundaries and application steps.
Is my money safe at Summit Hampton Roads?
Federal credit unions like Summit Hampton Roads 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. Summit Hampton Roads's net worth ratio of 15.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Summit Hampton Roads offer compared to banks?
Credit unions like Summit Hampton Roads 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 Summit Hampton Roads 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.