State credit union · Charlottesville, Virginia · NCUA charter #62504
University of Va Community Cu
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $1.60B
- Total assets
- 84,827
- Members
- 9.8%
- Net-worth ratio
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.
University of Va Community Cu - 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)98
- Asset quality (delinquency)96
- Earnings (ROA)100
- Member growth92
- Liquidity (loan-to-share)100
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.79% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.79% | 30% |
| Delinquency Rate | 0.61% | 25% |
| Return on Assets | 0.94% | 15% |
| Member Growth | 4.06% | 15% |
| Loan-to-Share Ratio | 69.88% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About University of Va Community Cu
University of Va Community Cu is a state credit union headquartered in Charlottesville, Virginia, serving 84,827 members with $1.60B in total assets and $986.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 97/100 (Excellent), anchored by a net worth ratio of 9.79% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #62504 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 69.88% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.61% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.94% on net income of $15.0M 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 4.06%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 $500M83Health
- 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
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 University of Va Community Cu financially healthy?
University of Va Community Cu has a financial health score of 97/100 (Excellent) 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 9.79% 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 97/100 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 9.79% 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.
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.