State credit union · North Chesterfi, Virginia · NCUA charter #62536
Virginia United Methodist
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $15.7M
- Total assets
- 2,783
- Members
- 9.2%
- Net-worth ratio
Virginia United Methodist scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.7M; members 2,783; net-worth ratio 9.19%; health rank #4,119 of 4,374; healthier than 6th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,119 of 4,374 health · 2025Q4Virginia United Methodist · health 58/100 · $15.7M · 2025Q4
- RANK 58/100
- PHOTO 9.2%
- BOOK 4.17%
- CHARTER 0.08%
- NCUSIF $15.7M
- CAMELS 2,783
- HEALTH #4,119/4,374
- NW MID-CITIES
- DELQ 62536
Call Report peers
Virginia United Methodist in the assets neighbourhood
Virginia United Methodist's $15.7M assets sit next to MID-CITIES ($15.7M) 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 United Methodist 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
58 6th percentile higher than 6% 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 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.
Where Virginia United Methodist diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +36.06 pp (95.86% vs 59.80%).
- Net Worth Ratio trails the peer set - 9.19% here, 14.86% peer average (-5.67 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Virginia United Methodist: in-state Call Report ranks
- Virginia health ordinal: #89 of 95.
- Assets rank #70 of 95 inside Virginia ($15.7M reported).
- Virginia membership ordinal: #65 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 United Methodist Call Report trajectory
Virginia United Methodist: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.6% from $15.7M (2025Q4) to $16.6M (2026Q1).
- Net-worth ratio shifted -0.49 pp (9.68% → 9.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 58/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- Net Worth Ratio 28.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 7.9 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 12.8 pts
Call Report ratios for Virginia United Methodist
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.19% | -5.67 pp |
| Delinquency Rate | 4.17% | +3.02 pp |
| Return on Assets | 0.08% | -0.63 pp |
| Member Growth | 0.25% | - |
| Loan-to-Share Ratio | 95.86% | +36.06 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).
Call Report history - Virginia United Methodist
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.6M | - |
| 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
Branch Location
Virginia United Methodist operates a single office in North Chesterfield, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Virginia United Methodist Credit Union (Main Office) | 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.
- AUGUSTA HEALTH CARE CREDIT UNIONFISHERSVILLE, VA · $10M–$50M90Health
- VIRGINIA STATE UNIVERSITYSouth Chesterfi, VA · $10M–$50M73Health
- METROPOLITAN CHURCHSUFFOLK, VA · $10M–$50M65Health
- RICHMOND HERITAGERichmond, VA · $10M–$50M80Health
- VA BEACH POSTALVirginia Beach, VA · $10M–$50M82Health
Compare Virginia United Methodist vs AUGUSTA HEALTH CARE CREDIT UNION
Virginia United Methodist nationwide neighbourhoods
Two NCUA Call Report peer sets for Virginia United Methodist, both outside Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($15.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
Using this data
- Virginia United Methodist ranks #4,119 of 4,374 nationally on financial health and #89 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Augusta Health Care Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Augusta Health Care Credit Union
- 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 United Methodist financially healthy?
A 9.19% net worth ratio and a 4.17% delinquency rate feed into Virginia United Methodist's financial health score of 58/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,119 of 4,374; by total assets it ranks #3,301 of 4,374 nationally (same basis as /rankings/largest); and #70 of 95 within Virginia. 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 58/100, 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 9.19% 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.
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.