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
Call Report peers
University of Va Community Cu in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); University of Va Community Cu sits in 95-99 with 391 others.
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
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%).
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).
- One place up in Virginia, Park View (#2) scores 99/100, 1 point higher; one place down, Blue Eagle (#4) scores 95/100, 3 points lower.
University of Va Community Cu: 2025Q4 → 2026Q1
University of Va Community Cu: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $1.60B (2025Q4) to $1.63B (2026Q1).
- Net-worth ratio shifted +0.03 pp (10.27% → 10.30%).
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
University of Va Community Cu gives up 2 points in total. Member Growth costs the most, 1.1 of its 15; Loan-to-Share Ratio and Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
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) from its 2025Q4 NCUA 5300 Call Report. It ranks #124 of 4,374 nationally on health and #3 of 95 in Virginia. Its net worth ratio is 10.30% and its delinquency rate 0.61%.
How does University of Va Community Cu compare to other credit unions?
University of Va Community Cu scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.94% vs 0.51%). Its widest shortfall is loan-to-share ratio (69.88% vs 83.90%).
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?
University of Va Community Cu is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.