State credit union · North Chesterfi, Virginia · NCUA charter #62536
Virginia United Methodist
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $15.7M
- Total assets
- 2,783
- Members
- 9.7%
- Net-worth ratio
Virginia United Methodist - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62536 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Virginia United Methodist - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)97
- Asset quality (delinquency)0
- Earnings (ROA)53
- Member growth62
- Liquidity (loan-to-share)82
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.68% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.68% | 30% |
| Delinquency Rate | 4.17% | 25% |
| Return on Assets | 0.08% | 15% |
| Member Growth | 0.25% | 15% |
| Loan-to-Share Ratio | 95.86% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $15.7M | 2,783 |
| 2024Q4 | $17.6M | 2,776 |
| 2023Q4 | $17.6M | 2,753 |
Credit Union Details
- Charter Number
- 62536
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Virginia
- City
- North Chesterfi
- Data Quarter
- 2025Q4
What This Data Says About Virginia United Methodist
2,783 members and $15.7M in total assets sit behind Virginia United Methodist, a state credit union in North Chesterfi, Virginia, which posts a health score of 59/100 (Fair) on the five-factor composite, with $13.6M in outstanding loans as of Q4 2025 and a net worth ratio of 9.68% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #62536 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 4.17% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 95.86% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.08% on net income of $12K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.25%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
- AUGUSTA HEALTH CARE CREDIT UNIONFISHERSVILLE, VA · $10M–$50M90Health
- VIRGINIA STATE UNIVERSITYSouth Chesterfi, VA · $10M–$50M56Health
- METROPOLITAN CHURCHSUFFOLK, VA · $10M–$50M65Health
- RICHMOND HERITAGERichmond, VA · $10M–$50M61Health
- VA BEACH POSTALVirginia Beach, VA · $10M–$50M82Health
Compare Virginia United Methodist vs AUGUSTA HEALTH CARE CREDIT UNION
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Virginia United Methodist financially healthy?
A 9.68% net worth ratio and a 4.17% delinquency rate feed into Virginia United Methodist's financial health score of 59/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Virginia United Methodist compare to other credit unions?
PlainCU's health composite puts Virginia United Methodist at 59/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 United Methodist?
Membership eligibility for Virginia United Methodist depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Virginia United Methodist directly for current membership requirements and application steps.
Is my money safe at Virginia United Methodist?
Federal credit unions like Virginia United Methodist 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 United Methodist's net worth ratio of 9.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Virginia United Methodist offer compared to banks?
Credit unions like Virginia United Methodist 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 United Methodist directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.