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.
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NCUA 5300 Call Report Masthead
#3,043 of 4,374 health · 2025Q4Virginia Educators · health 77/100 · $75.3M · 2025Q4
Call Report peers
Virginia Educators Credit Union in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Virginia Educators Credit Union sits in 75-79 with 502 others.
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 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).
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).
- One place up in Virginia, KRAFTSMAN (#59) ties at 77/100; one place down, Brunswick County Teachers (#61) scores 76/100, 1 point lower.
How Virginia Educators Credit Union's 5300 filing moved
Virginia Educators Credit Union: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $75.3M (2025Q4) to $76.9M (2026Q1).
- Net-worth ratio shifted -0.02 pp (23.51% → 23.49%).
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
Virginia Educators Credit Union gives up 23 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Virginia Educators Credit Union financially healthy?
On its 2025Q4 NCUA 5300 filing, Virginia Educators Credit Union scores 77/100 (Very Good), with a 23.49% net worth ratio and 0.53% of loans delinquent. It ranks #3,043 of 4,374 nationally on health and #60 of 95 in Virginia.
How does Virginia Educators Credit Union compare to other credit unions?
Virginia Educators Credit Union scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (23.49% vs 13.62%). Its widest shortfall is loan-to-share ratio (13.79% vs 62.60%).
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?
Virginia Educators Credit Union 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 Educators Credit Union's net worth ratio of 23.49% 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.