Federal credit union · Norfolk, Virginia · NCUA charter #19973
Summit Hampton Roads
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $8.0M
- Total assets
- 1,132
- Members
- 14.2%
- Net-worth ratio
Summit Hampton Roads scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.0M; members 1,132; net-worth ratio 14.24%; health rank #3,523 of 4,374; healthier than 18th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,523 of 4,374 health · 2025Q4Summit Hampton Roads · health 71/100 · $8.0M · 2025Q4
- ROA 71/100
- ASSETS 14.2%
- MEM 1.06%
- RANK -0.47%
- PHOTO $8.0M
- BOOK 1,132
- CHARTER #3,523/4,374
- NCUSIF n/a
- CAMELS 19973
Call Report peers
Summit Hampton Roads carries $8.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Summit Hampton Roads 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
71 18th percentile higher than 18% 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
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.
Peer-gap read for Summit Hampton Roads
- Largest favorable gap: Loan-to-Share Ratio at 69.79% vs peer 63.60% (+6.19 pp).
- Largest lag: Net Worth Ratio at 14.24% vs peer 19.06% (-4.82 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Summit Hampton Roads sits in Virginia
- Health composite ranks #71 of 95 among scored Virginia credit unions.
- By total assets, Summit Hampton Roads is #79 of 95 in Virginia.
- Member book place in Virginia: #78 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.
Quarter path for Summit Hampton Roads
Summit Hampton Roads: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $8.0M (2025Q4) to $8.2M (2026Q1).
- Net-worth ratio shifted -1.07 pp (15.31% → 14.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.24% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.5 pts
- Return on Assets 0.2 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Summit Hampton Roads
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.24% | -4.82 pp |
| Delinquency Rate | 1.06% | -0.75 pp |
| Return on Assets | -0.47% | -0.93 pp |
| Member Growth | -1.65% | - |
| Loan-to-Share Ratio | 69.79% | +6.19 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Summit Hampton Roads filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.2M | - |
| 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
Branch Locations (3)
Summit Hampton Roads operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Summit Hampton Roads FCU Main Office (Main Office) | Portsmouth, VA |
| Co-op | portsmouth, VA |
| RVA Financial | Richmond, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Summit Hampton Roads, both outside Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Summit Hampton Roads ranks #3,523 of 4,374 nationally on financial health and #71 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Port of Hampton Roads Ila is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Port of Hampton Roads Ila
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,523 of 4,374; by total assets it ranks #3,671 of 4,374 nationally (same basis as /rankings/largest); and #79 of 95 within Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.24% 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 14.24% 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.
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.