Federal credit union · Virginia Beach, Virginia · NCUA charter #15536
Va Beach Postal
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $10.2M
- Total assets
- 1,052
- Members
- 12.4%
- Net-worth ratio
Va Beach Postal scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.2M; members 1,052; net-worth ratio 12.45%; health rank #2,432 of 4,374; healthier than 43rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,432 of 4,374 health · 2025Q4Va Beach Postal · health 82/100 · $10.2M · 2025Q4
Call Report peers
Va Beach Postal in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Va Beach Postal vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Va Beach Postal sits in 80-84 with 767 others.
82 43rd percentile higher than 43% 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 Va Beach Postal
- Largest favorable gap: Delinquency Rate at 0.59% vs peer 1.15% (-0.55 pp).
- Largest lag: Loan-to-Share Ratio at 51.00% vs peer 59.80% (-8.80 pp).
Va Beach Postal in Virginia
- In Virginia, health place is #44 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #75 of 95 inside Virginia ($10.2M reported).
- Member book place in Virginia: #79 of 95.
- One place up in Virginia, Dominion Energy Credit Union (#43) ties at 82/100; one place down, LANGLEY (#45) ties at 82/100.
Va Beach Postal: 2025Q4 → 2026Q1
Va Beach Postal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $10.2M (2025Q4) to $10.4M (2026Q1).
- Net-worth ratio shifted +0.04 pp (12.41% → 12.45%).
12.45% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Va Beach Postal gives up 18 points in total. Member Growth costs the most, 12 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.1 pts
- Return on Assets 13.9 pts
- Member Growth 3.0 pts
- Loan-to-Share Ratio 11.0 pts
Va Beach Postal vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.45% | -2.41 pp |
| Delinquency Rate | 0.59% | -0.55 pp |
| Return on Assets | 0.42% | -0.28 pp |
| Member Growth | -3.31% | - |
| Loan-to-Share Ratio | 51.00% | -8.80 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.4M | - |
| 2025Q4 | $10.2M | 1,052 |
| 2024Q4 | $10.2M | 1,088 |
| 2023Q4 | $10.1M | 1,120 |
Credit Union Details
- Charter Number
- 15536
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Virginia
- City
- Virginia Beach
- Data Quarter
- 2025Q4
Branch Location
Va Beach Postal operates a single office in Virginia Beach, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Virginia Beach Postal FCU (Main Office) | Virginia Beach, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
A look at other Virginia credit unions, ranked by how closely their peer group and asset size match this one.
- RICHMOND HERITAGERichmond, VA · $10M–$50M80Health
- METROPOLITAN CHURCHSUFFOLK, VA · $10M–$50M65Health
- VIRGINIA STATE UNIVERSITYSouth Chesterfi, VA · $10M–$50M73Health
- AUGUSTA HEALTH CARE CREDIT UNIONFISHERSVILLE, VA · $10M–$50M90Health
- VIRGINIA UNITED METHODISTNorth Chesterfi, VA · $10M–$50M58Health
Other-state peers near Va Beach Postal
Using this data
- Va Beach Postal ranks #2,432 of 4,374 nationally on financial health and #44 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Richmond Heritage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Richmond Heritage
Frequently Asked Questions
Is Va Beach Postal financially healthy?
Va Beach Postal has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,432 of 4,374 nationally on health and #44 of 95 in Virginia. Its net worth ratio is 12.45% and its delinquency rate 0.59%.
How does Va Beach Postal compare to other credit unions?
Va Beach Postal scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.59% vs 1.15%). Its widest shortfall is loan-to-share ratio (51.00% vs 59.80%).
How can I join Va Beach Postal?
Va Beach Postal serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Va Beach Postal directly for the current list of qualifying groups.
Is my money safe at Va Beach Postal?
Va Beach Postal is a federal 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. Va Beach Postal's net worth ratio of 12.45% 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.