State credit union · Charlottesville, Virginia · NCUA charter #62504
University of Va Community Cu
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $1.60B
- Total assets
- 84,827
- Members
- 10.3%
- Net-worth ratio
University of Va Community Cu scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.60B; members 84,827; net-worth ratio 10.30%; health rank #124 of 4,374; healthier than 97th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#124 of 4,374 health · 2025Q4University · health 98/100 · $1.60B · 2025Q4
- NW 98/100
- DELQ 10.3%
- ROA 0.61%
- ASSETS 0.94%
- MEM $1.60B
- RANK 84,827
- PHOTO #124/4,374
- BOOK PIMA
- CHARTER 62504
Call Report peers
University of Va Community Cu in the assets neighbourhood
University of Va Community Cu's $1.60B assets sit next to PIMA ($1.60B) 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.
University of Va Community Cu 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
98 Top 3% higher than 97% 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
University of Va Community Cu - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62504, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for University of Va Community Cu
- Strongest edge vs 749 Over $500M peers is Return on Assets: +0.43 pp (0.94% vs 0.51%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -14.02 pp (69.88% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
University of Va Community Cu: in-state Call Report ranks
- In Virginia, health place is #3 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #11 of 95 inside Virginia ($1.60B reported).
- Membership ranks #11 of 95 among Virginia CUs with a reported count (84,827 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.
University of Va Community Cu: 2025Q4 → 2026Q1
University of Va Community Cu: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $1.60B (2025Q4) to $1.63B (2026Q1).
- Net-worth ratio shifted +0.03 pp (10.27% → 10.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.30% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.9 pts
- Return on Assets 15.0 pts
- Member Growth 13.9 pts
- Loan-to-Share Ratio 15.2 pts
University health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.30% | -0.88 pp |
| Delinquency Rate | 0.61% | -0.27 pp |
| Return on Assets | 0.94% | +0.43 pp |
| Member Growth | 4.06% | - |
| Loan-to-Share Ratio | 69.88% | -14.02 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
University of Va Community Cu quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.63B | - |
| 2025Q4 | $1.60B | 84,827 |
| 2024Q4 | $1.50B | 81,518 |
| 2023Q4 | $1.45B | 80,094 |
Credit Union Details
- Charter Number
- 62504
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Virginia
- City
- Charlottesville
- Data Quarter
- 2025Q4
Branch Locations (15)
Per its most recent NCUA branch filing, University of Va Community Cu runs 15 offices in 11 different cities.
| Office | City |
|---|---|
| Berkmar Drive Branch (Main Office) | Charlottesville, VA |
| West Main Street - Patton Mansion Branch | Charlottesville, VA |
| Arlington Boulevard Branch | Charlottesville, VA |
| East Jefferson Branch | Charlottesville, VA |
| Pantops Branch | Charlottesville, VA |
| Downtown Crozet Branch | Crozet, VA |
| Culpeper Branch | Culpeper, VA |
| Harrisonburg Branch | Harrisonburg, VA |
| Town of Louisa Branch | Louisa, VA |
| Nellysford Branch | Nellysford, VA |
| Orange Branch | Orange, VA |
| Fluvanna Branch | Palmyra, VA |
| Greene County Branch | Ruckersville, VA |
| Blackwell Road Branch | Warrenton, VA |
| Zion Crossroads | Zion Crossroads, 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.
- UNITED STATES SENATEAlexandria, VA · Over $500M55Health
- FREEDOM FIRSTRoanoke, VA · Over $500M89Health
- DUPONT COMMUNITYWaynesboro, VA · Over $500M95Health
- JUSTICEChantilly, VA · Over $500M88Health
- 1ST ADVANTAGENewport News, VA · Over $500M93Health
Compare University of Va Community Cu vs UNITED STATES SENATE
University of Va Community Cu nationwide neighbourhoods
University of Va Community Cu's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.60B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- University of Va Community Cu ranks #124 of 4,374 nationally on financial health and #3 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United States Senate is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United States Senate
- 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 University of Va Community Cu financially healthy?
University of Va Community Cu has a financial health score of 98/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #124 of 4,374; by total assets it ranks #306 of 4,374 nationally (same basis as /rankings/largest); and #11 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 10.30% and delinquency rate of 0.61%.
How does University of Va Community Cu compare to other credit unions?
Five weighted metrics from NCUA filings produce University of Va Community Cu's 98/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 University of Va Community Cu?
Membership eligibility for University of Va Community Cu depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact University of Va Community Cu directly for current membership requirements and application steps.
Is my money safe at University of Va Community Cu?
Federal credit unions like University of Va Community Cu 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. University of Va Community Cu's net worth ratio of 10.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does University of Va Community Cu offer compared to banks?
Credit unions like University of Va Community Cu 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 University of Va Community Cu 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.