State credit union · Virginia, Minnesota · NCUA charter #63965
Virginia Coop
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $43.1M
- Total assets
- 2,814
- Members
- 11.3%
- Net-worth ratio
Virginia Coop scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $43.1M; members 2,814; net-worth ratio 11.26%; health rank #1,470 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,470 of 4,374 health · 2025Q4Virginia Coop · health 88/100 · $43.1M · 2025Q4
- ASSETS 88/100
- MEM 11.3%
- RANK 0.49%
- PHOTO 1.44%
- BOOK $43.1M
- CHARTER 2,814
- NCUSIF #1,470/4,374
- CAMELS ADVANTAGE
- HEALTH 63965
Call Report peers
Virginia Coop in the assets neighbourhood
Virginia Coop's $43.1M assets sit next to ADVANTAGE ($43.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Virginia Coop vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% 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 Coop - Share Insurance Coverage
Charter #63965's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Virginia Coop
- Return on Assets leads the peer set - 1.44% here, 0.70% peer average (+0.74 pp).
- Largest lag: Net Worth Ratio at 11.26% vs peer 14.86% (-3.60 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Virginia Coop: in-state Call Report ranks
- In Minnesota, health place is #40 of 82 on the same NCUA-ratio sort used nationally.
- Minnesota assets place: #55 of 82.
- Member book place in Minnesota: #58 of 82.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Virginia Coop: 2025Q4 → 2026Q1
Virginia Coop: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $43.1M (2025Q4) to $44.7M (2026Q1).
- Net-worth ratio shifted +0.25 pp (11.01% → 11.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.26%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.1 pts
- Loan-to-Share Ratio 12.9 pts
Call Report ratios for Virginia Coop
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.26% | -3.60 pp |
| Delinquency Rate | 0.49% | -0.65 pp |
| Return on Assets | 1.44% | +0.74 pp |
| Member Growth | -2.19% | - |
| Loan-to-Share Ratio | 60.07% | +0.27 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Virginia Coop filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.7M | - |
| 2025Q4 | $43.1M | 2,814 |
| 2024Q4 | $40.7M | 2,877 |
| 2023Q4 | $40.6M | 2,965 |
Credit Union Details
- Charter Number
- 63965
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Minnesota
- City
- Virginia
- Data Quarter
- 2025Q4
Branch Location
Virginia Coop operates a single office in Virginia, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Virginia Co-Op Credit Union (Main Office) | Virginia, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
A look at other Minnesota credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Virginia Coop
Two NCUA Call Report peer sets for Virginia Coop, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($43.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Virginia Coop ranks #1,470 of 4,374 nationally on financial health and #40 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CARPENTERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CARPENTERS
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Virginia Coop financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Virginia Coop carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,470 of 4,374; by total assets it ranks #2,535 of 4,374 nationally (same basis as /rankings/largest); and #55 of 82 within Minnesota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.26% net worth ratio and a 0.49% delinquency rate.
How does Virginia Coop compare to other credit unions?
PlainCU's health composite puts Virginia Coop at 88/100, 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 Virginia Coop?
Membership eligibility for Virginia Coop depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Virginia Coop directly for current membership requirements and application steps.
Is my money safe at Virginia Coop?
Federal credit unions like Virginia Coop 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. Virginia Coop's net worth ratio of 11.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Virginia Coop offer compared to banks?
Credit unions like Virginia Coop 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 Virginia Coop directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.