State credit union · Newport News, Virginia · NCUA charter #66700
Virginia Educators Credit Union
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $75.3M
- Total assets
- 3,699
- Members
- 23.5%
- Net-worth ratio
Virginia Educators Credit Union scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $75.3M; members 3,699; net-worth ratio 23.49%; health rank #3,043 of 4,374; healthier than 28th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,043 of 4,374 health · 2025Q4Virginia Educators · health 77/100 · $75.3M · 2025Q4
- MEM 77/100
- RANK 23.5%
- PHOTO 0.53%
- BOOK 3.30%
- CHARTER $75.3M
- NCUSIF 3,699
- CAMELS #3,043/4,374
- HEALTH DILLON
- NW 66700
Call Report peers
Virginia Educators Credit Union in the assets neighbourhood
Virginia Educators Credit Union's $75.3M assets sit next to DILLON ($75.3M) 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 Educators Credit Union 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
77 28th percentile higher than 28% 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 Educators Credit Union - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66700, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Virginia Educators Credit Union vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +9.87 pp (23.49% vs 13.62%).
- Largest lag: Loan-to-Share Ratio at 13.79% vs peer 62.60% (-48.81 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Virginia standing for Virginia Educators Credit Union
- Health composite ranks #60 of 95 among scored Virginia credit unions.
- Virginia assets place: #54 of 95.
- Membership ranks #59 of 95 among Virginia CUs with a reported count (3,699 members).
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Virginia Educators Credit Union's 5300 filing moved
Virginia Educators Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $75.3M (2025Q4) to $76.9M (2026Q1).
- Net-worth ratio shifted -0.02 pp (23.51% → 23.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 23.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.7 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.3 pts
Virginia Educators Credit Union vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.49% | +9.87 pp |
| Delinquency Rate | 0.53% | -0.44 pp |
| Return on Assets | 3.30% | +2.65 pp |
| Member Growth | -6.38% | - |
| Loan-to-Share Ratio | 13.79% | -48.81 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $76.9M | - |
| 2025Q4 | $75.3M | 3,699 |
| 2024Q4 | $73.8M | 3,951 |
| 2023Q4 | $77.3M | 4,255 |
Credit Union Details
- Charter Number
- 66700
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Virginia
- City
- Newport News
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Virginia Educators Credit Union runs 2 offices.
| Office | City |
|---|---|
| Nettles Office (Main Office) | Newport News, VA |
| Main Street Office | Newport News, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
Cross-state Call Report peers for Virginia Educators
Virginia Educators Credit Union's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($75.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Virginia Educators Credit Union ranks #3,043 of 4,374 nationally on financial health and #60 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kemba Roanoke is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kemba Roanoke
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia 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 Educators Credit Union financially healthy?
Virginia Educators Credit Union scores 77/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,043 of 4,374; by total assets it ranks #2,069 of 4,374 nationally (same basis as /rankings/largest); and #54 of 95 within Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 23.49% net worth ratio and a 0.53% delinquency rate.
How does Virginia Educators Credit Union compare to other credit unions?
On PlainCU's health composite, Virginia Educators Credit Union lands at 77/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Educators Credit Union?
Membership eligibility for Virginia Educators Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Virginia Educators Credit Union directly for current membership requirements and application steps.
Is my money safe at Virginia Educators Credit Union?
Federal credit unions like Virginia Educators Credit Union 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 Educators Credit Union's net worth ratio of 23.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Virginia Educators Credit Union offer compared to banks?
Credit unions like Virginia Educators Credit Union 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 Educators Credit Union 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.