Federal credit union · Richmond, Virginia · NCUA charter #24962
VIRGINIA
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $7.24B
- Total assets
- 491,381
- Members
- 11.3%
- Net-worth ratio
VIRGINIA scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.24B; members 491,381; net-worth ratio 11.34%; health rank #1,670 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,670 of 4,374 health · 2025Q4VIRGINIA · health 87/100 · $7.24B · 2025Q4
Call Report peers
VIRGINIA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
VIRGINIA vs every NCUA-scored credit union
VIRGINIA sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
VIRGINIA: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 84.37% vs peer 83.90% (+0.47 pp).
- Delinquency Rate trails the peer set - 1.07% here, 0.87% peer average (+0.19 pp).
Virginia standing for VIRGINIA
- Health composite ranks #29 of 95 among scored Virginia credit unions.
- Virginia assets place: #3 of 95.
- Member book place in Virginia: #3 of 95.
- One place up in Virginia, Salem Va Medical Center (#28) ties at 87/100; one place down, INFIRST (#30) scores 86/100, 1 point lower.
How VIRGINIA's 5300 filing moved
VIRGINIA: total assets by quarter
2024Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $7.24B (2025Q4) to $7.36B (2026Q1).
- Net-worth ratio shifted +0.36 pp (10.98% → 11.34%).
11.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
VIRGINIA gives up 13 points in total. Delinquency Rate costs the most, 5.5 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.5 pts
- Return on Assets 12.3 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 15.1 pts
VIRGINIA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.34% | +0.16 pp |
| Delinquency Rate | 1.07% | +0.19 pp |
| Return on Assets | 0.32% | -0.19 pp |
| Member Growth | 0.91% | - |
| Loan-to-Share Ratio | 84.37% | +0.47 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - VIRGINIA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.36B | - |
| 2025Q4 | $7.24B | 491,381 |
| 2024Q4 | $6.85B | 486,930 |
Credit Union Details
- Charter Number
- 24962
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Virginia
- City
- Richmond
- Data Quarter
- 2025Q4
Branch Locations (44)
The NCUA branch filing lists 44 physical offices for VIRGINIA, spread across 22 cities.
| Office | City |
|---|---|
| BOULDERS (Main Office) | North Chesterfield, VA |
| BLACKSBURG BRANCH | BLACKSBURG, VA |
| SEMINOLE SQUARE BRANCH | Charlottesville, VA |
| CHESTER BRANCH | Chester, VA |
| HANCOCK VILLAGE BRANCH | Chesterfield, VA |
| COURTHOUSE BRANCH | Chesterfield, VA |
| CHRISTIANSBURG BRANCH | Christiansburg, VA |
| SOUTHPARK BRANCH | Colonial Heights, VA |
| DALEVILLE TOWN CENTER BRANCH | Daleville, VA |
| RADFORD BRANCH | Fairlawn, VA |
| FARMVILLE BRANCH | Farmville, VA |
| FREDERICKSBURG BRANCH | Fredericksburg, VA |
| COSNER EAST BRANCH | Fredericksburg, VA |
| CHANCELLORS CROSSING BRANCH | Fredericksburg, VA |
| VIRGINIA CENTER COMMONS BRANCH | Glen Allen, VA |
| WESTLAKE BRANCH | Hardy, VA |
| EAST END BRANCH | Henrico, VA |
| WEST BROAD BRANCH | Henrico, VA |
| LAKESIDE CROSSING BRANCH | Lynchburg, VA |
| LYNCHBURG BRANCH | Lynchburg, VA |
| HANOVER BRANCH | Mechanicsville, VA |
| GENITO BRANCH | Midlothian, VA |
| Waterford | Midlothian, VA |
| WINTERFIELD BRANCH | Midlothian, VA |
| KOGER CENTER BRANCH | North Chesterfield, VA |
| SHORT PUMP BRANCH | Richmond, VA |
| GLENSIDE BRANCH | Richmond, VA |
| CARYTOWN BRANCH | Richmond, VA |
| SCOTT'S ADDITION | Richmond, VA |
| CHURCH HILL BRANCH | Richmond, VA |
| NORTH ADAMS | Richmond, VA |
| SHOCKOE SLIP | Richmond, VA |
| FOREST BRANCH | Roanoke, VA |
| ROANOKE ADMINISTRATION OFFICE | Roanoke, VA |
| ROANOKE CORPORATE OFFICE | Roanoke, VA |
| HERSHBERGER BRANCH | Roanoke, VA |
| ROANOKE LEARNING CENTER | Roanoke, VA |
| MAIN | Roanoke, VA |
| ORANGE AVE BRANCH | Roanoke, VA |
| SOUTH ROANOKE BRANCH | Roanoke, VA |
| SOUTHWEST BRANCH | Roanoke, VA |
| ROCKY MOUNT BRANCH | Rocky Mount, VA |
| SALEM BRANCH | Salem, VA |
| VINTON BRANCH | Vinton, 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.
Cross-state Call Report peers for VIRGINIA
Using this data
- VIRGINIA ranks #1,670 of 4,374 nationally on financial health and #29 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LANGLEY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LANGLEY
Frequently Asked Questions
Is VIRGINIA financially healthy?
On its 2025Q4 NCUA 5300 filing, VIRGINIA scores 87/100 (Excellent), with a 11.34% net worth ratio and 1.07% of loans delinquent. It ranks #1,670 of 4,374 nationally on health and #29 of 95 in Virginia.
How does VIRGINIA compare to other credit unions?
VIRGINIA scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (84.37% vs 83.90%). Its widest shortfall is delinquency rate (1.07% vs 0.87%).
How can I join VIRGINIA?
VIRGINIA 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 VIRGINIA directly for the exact boundaries and application steps.
Is my money safe at VIRGINIA?
VIRGINIA 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. VIRGINIA's net worth ratio of 11.34% 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.