Federal credit union · HOPEWELL, Virginia · NCUA charter #17630
Vantage Point
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $43.3M
- Total assets
- 2,986
- Members
- 15.2%
- Net-worth ratio
Vantage Point - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #17630, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Vantage Point - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)55
- Earnings (ROA)85
- Member growth6
- Liquidity (loan-to-share)67
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
15.17% 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 | 15.17% | 30% |
| Delinquency Rate | 1.82% | 25% |
| Return on Assets | 0.35% | 15% |
| Member Growth | -4.51% | 15% |
| Loan-to-Share Ratio | 44.46% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $43.3M | 2,986 |
| 2024Q4 | $41.8M | 3,127 |
| 2023Q4 | $43.8M | 3,427 |
Credit Union Details
- Charter Number
- 17630
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Virginia
- City
- HOPEWELL
- Data Quarter
- 2025Q4
What This Data Says About Vantage Point
Charter #17630, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Vantage Point, a federal credit union in HOPEWELL, Virginia with 2,986 members, $43.3M in total assets, and $15.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 68/100 (Good), helped by a net worth ratio of 15.17% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 1.82% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 44.46% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.35% on net income of $152K 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 -4.51%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); 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.
- HAMPTON ROADS EDUC CREDIT UNION INCHAMPTON, VA · $10M–$50M73Health
- PATENT AND TRADEMARK OFFICEALEXANDRIA, VA · $10M–$50M37Health
- FIRST NRVRadford, VA · $10M–$50M61Health
- PFD FIREFIGHTERS CREDIT UNION INC.Portsmouth, VA · $10M–$50M91Health
- LYNCHBURG MUNICIPAL EMPLOYEESLynchburg, VA · $10M–$50M89Health
Compare Vantage Point vs HAMPTON ROADS EDUC CREDIT UNION INC
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 Vantage Point financially healthy?
Vantage Point has a financial health score of 68/100 (Good) 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 15.17% and delinquency rate of 1.82%.
How does Vantage Point compare to other credit unions?
PlainCU's health composite puts Vantage Point at 68/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Vantage Point?
Vantage Point 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 Vantage Point directly for the exact boundaries and application steps.
Is my money safe at Vantage Point?
Federal credit unions like Vantage Point 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. Vantage Point's net worth ratio of 15.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Vantage Point offer compared to banks?
Credit unions like Vantage Point 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 Vantage Point 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.