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
Call Report peers
Virginia Coop in the assets neighbourhood
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
Virginia Coop sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in Minnesota, Ely Area (#39) ties at 88/100; one place down, First Alliance (#41) ties at 88/100.
Virginia Coop: 2025Q4 → 2026Q1
Virginia Coop: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $43.1M (2025Q4) to $44.7M (2026Q1).
- Net-worth ratio shifted +0.25 pp (11.01% → 11.26%).
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
Virginia Coop gives up 12 points in total. Member Growth costs the most, 9.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Virginia Coop financially healthy?
On its 2025Q4 NCUA 5300 filing, Virginia Coop scores 88/100 (Excellent), with a 11.26% net worth ratio and 0.49% of loans delinquent. It ranks #1,470 of 4,374 nationally on health and #40 of 82 in Minnesota.
How does Virginia Coop compare to other credit unions?
Virginia Coop scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.44% vs 0.70%). Its widest shortfall is net worth ratio (11.26% vs 14.86%).
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?
Virginia Coop 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. Virginia Coop's net worth ratio of 11.26% 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.