Federal credit union · Buckingham, Virginia · NCUA charter #23974
YOGAVILLE
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $4.5M
- Total assets
- 388
- Members
- 28.0%
- Net-worth ratio
YOGAVILLE scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.5M; members 388; net-worth ratio 27.99%; health rank #3,798 of 4,374; healthier than 12th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,798 of 4,374 health · 2025Q4YOGAVILLE · health 66/100 · $4.5M · 2025Q4
- DELQ 66/100
- ROA 28.0%
- ASSETS 2.50%
- MEM 0.16%
- RANK $4.5M
- PHOTO 388
- BOOK #3,798/4,374
- CHARTER n/a
- NCUSIF 23974
Call Report peers
YOGAVILLE carries $4.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
YOGAVILLE 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
66 12th percentile higher than 12% 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
YOGAVILLE - Share Insurance Coverage
Charter #23974's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
YOGAVILLE: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 72.88% here, 63.60% peer average (+9.28 pp).
- Delinquency Rate trails the peer set - 2.50% here, 1.81% peer average (+0.69 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
YOGAVILLE in Virginia
- Health composite ranks #81 of 95 among scored Virginia credit unions.
- Virginia assets place: #84 of 95.
- Membership ranks #87 of 95 among Virginia CUs with a reported count (388 members).
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
YOGAVILLE: 2025Q4 → 2026Q1
YOGAVILLE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.0% from $4.5M (2025Q4) to $4.5M (2026Q1).
- Net-worth ratio shifted +0.13 pp (27.86% → 27.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 27.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 66/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.4 pts
- Return on Assets 9.8 pts
- Member Growth 1.4 pts
- Loan-to-Share Ratio 15.4 pts
YOGAVILLE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.99% | +8.93 pp |
| Delinquency Rate | 2.50% | +0.69 pp |
| Return on Assets | 0.16% | -0.30 pp |
| Member Growth | -4.20% | - |
| Loan-to-Share Ratio | 72.88% | +9.28 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - YOGAVILLE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.5M | - |
| 2025Q4 | $4.5M | 388 |
| 2024Q4 | $4.4M | 405 |
| 2023Q4 | $4.7M | 417 |
Credit Union Details
- Charter Number
- 23974
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Virginia
- City
- Buckingham
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for YOGAVILLE.
| Office | City |
|---|---|
| Yogaville Federal Credit Union (Main Office) | Buckingham, 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.
YOGAVILLE nationwide neighbourhoods
Two NCUA Call Report peer sets for YOGAVILLE, both outside Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
Using this data
- YOGAVILLE ranks #3,798 of 4,374 nationally on financial health and #81 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- KRAFTSMAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with KRAFTSMAN
- 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 YOGAVILLE financially healthy?
A 27.99% net worth ratio and a 2.50% delinquency rate feed into YOGAVILLE's financial health score of 66/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,798 of 4,374; by total assets it ranks #3,929 of 4,374 nationally (same basis as /rankings/largest); and #84 of 95 within Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does YOGAVILLE compare to other credit unions?
PlainCU's health composite puts YOGAVILLE at 66/100, compared to a peer group average for $2M–$10M 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 YOGAVILLE?
YOGAVILLE 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 YOGAVILLE directly for the exact boundaries and application steps.
Is my money safe at YOGAVILLE?
Federal credit unions like YOGAVILLE 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. YOGAVILLE's net worth ratio of 27.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does YOGAVILLE offer compared to banks?
Credit unions like YOGAVILLE 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 YOGAVILLE 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.