Federal credit union · South Chesterfi, Virginia · NCUA charter #3029
Virginia State University
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $12.9M
- Total assets
- 1,891
- Members
- 8.4%
- Net-worth ratio
Virginia State University scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.9M; members 1,891; net-worth ratio 8.42%; health rank #3,426 of 4,374; healthier than 21st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,426 of 4,374 health · 2025Q4Virginia State University · health 73/100 · $12.9M · 2025Q4
Call Report peers
Virginia State University in the assets neighbourhood
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Virginia State University vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Virginia State University sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Virginia State University: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 69.85% here, 59.80% peer average (+10.05 pp).
- Widest shortfall vs peers is Net Worth Ratio: -6.44 pp (8.42% vs 14.86%).
Virginia State University: in-state Call Report ranks
- Health composite ranks #66 of 95 among scored Virginia credit unions.
- Assets rank #72 of 95 inside Virginia ($12.9M reported).
- Virginia membership ordinal: #71 of 95.
- One place up in Virginia, Newport News Mun. Emp Credit Union (#65) scores 74/100, 1 point higher; one place down, Hampton Roads Educ Credit Union Inc (#67) ties at 73/100.
Virginia State University Call Report trajectory
Virginia State University: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.9% from $12.9M (2025Q4) to $13.6M (2026Q1).
- Net-worth ratio shifted -0.46 pp (8.88% → 8.42%).
This credit union's 8.42% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
Virginia State University gives up 27 points in total. Delinquency Rate costs the most, 10.1 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 14.9 pts
- Return on Assets 11.4 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 14.9 pts
Virginia State University vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.42% | -6.44 pp |
| Delinquency Rate | 1.68% | +0.54 pp |
| Return on Assets | 0.26% | -0.45 pp |
| Member Growth | -1.82% | - |
| Loan-to-Share Ratio | 69.85% | +10.05 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.6M | - |
| 2025Q4 | $12.9M | 1,891 |
| 2024Q4 | $12.4M | 1,926 |
| 2023Q4 | $12.0M | 1,983 |
Credit Union Details
- Charter Number
- 3029
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Virginia
- City
- South Chesterfi
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Virginia State University runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| VSU Federal Credit Union (Main Office) | South Chesterfield, VA |
| BAYLANDS FAMILY CREDIT UNION | NORTH CHESTERFIELD, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
A look at other Virginia credit unions, ranked by how closely their peer group and asset size match this one.
- METROPOLITAN CHURCHSUFFOLK, VA · $10M–$50M65Health
- AUGUSTA HEALTH CARE CREDIT UNIONFISHERSVILLE, VA · $10M–$50M90Health
- RICHMOND HERITAGERichmond, VA · $10M–$50M80Health
- VA BEACH POSTALVirginia Beach, VA · $10M–$50M82Health
- VIRGINIA UNITED METHODISTNorth Chesterfi, VA · $10M–$50M58Health
Nationwide credit unions with similar profiles
Using this data
- Virginia State University ranks #3,426 of 4,374 nationally on financial health and #66 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Metropolitan Church is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Metropolitan Church
Frequently Asked Questions
Is Virginia State University financially healthy?
On its 2025Q4 NCUA 5300 filing, Virginia State University scores 73/100 (Very Good), with a 8.42% net worth ratio and 1.68% of loans delinquent. It ranks #3,426 of 4,374 nationally on health and #66 of 95 in Virginia.
How does Virginia State University compare to other credit unions?
Virginia State University scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (69.85% vs 59.80%). Its widest shortfall is net worth ratio (8.42% vs 14.86%).
How can I join Virginia State University?
Virginia State University 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 State University directly for the exact boundaries and application steps.
Is my money safe at Virginia State University?
Virginia State University 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 State University's net worth ratio of 8.42% 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.