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
- CHARTER 73/100
- NCUSIF 8.4%
- CAMELS 1.68%
- HEALTH 0.26%
- NW $12.9M
- DELQ 1,891
- ROA #3,426/4,374
- ASSETS Quaker Oats
- MEM 3029
Call Report peers
Virginia State University in the assets neighbourhood
Virginia State University's $12.9M assets sit next to Quaker Oats ($12.9M) 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 State University 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
73 21st percentile higher than 21% 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 State University - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #3029, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Virginia State University Call Report trajectory
Virginia State University: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.9% from $12.9M (2025Q4) to $13.6M (2026Q1).
- Net-worth ratio shifted -0.46 pp (8.88% → 8.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- 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 |
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).
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
Cross-state asset and health neighbours for Virginia State University - kept outside Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
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
- 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 State University financially healthy?
Yes/no aside, the number is 73/100 (Very Good) - Virginia State University's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,426 of 4,374; by total assets it ranks #3,414 of 4,374 nationally (same basis as /rankings/largest); and #72 of 95 within Virginia. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.42% net worth ratio and 1.68% delinquency rate are the key drivers.
How does Virginia State University compare to other credit unions?
73/100 is Virginia State University's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Virginia State University 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 State University's net worth ratio of 8.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Virginia State University offer compared to banks?
Credit unions like Virginia State University 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 State University 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.