Virginia Federal Credit Union
Total assets
$7.36B
▲ +5.0% YoY
Shares & deposits
$6.39B
▲ +4.5% YoY
Loans
$5.31B
▲ +0.8% YoY
Members
494,625
▲ +0.9% YoY
ROA (annualized)
0.43%
peers 0.71%
ROE (annualized)
3.98%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +5.1% | -0.1 pts |
| Share growth (YoY) | +4.5% | +4.9% | -0.4 pts |
| Loan growth (YoY) | +0.8% | +5.4% | -4.6 pts |
| ROA | 0.43% | 0.71% | -0.3 pts |
| ROE | 4.0% | 6.3% | -2.3 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
Profile
- Established
- 1928
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 90010, Richmond, VA, 23225
- NCUA charter #
- 24962
- RSSD ID
- 807795
- Latest call report
- Q1 2026
Total assets last 7 quarters
Members last 7 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.36B | $6.39B | $5.31B | $787.0M | $7.8M | 0.43% | 3.79% | 0.90% | 494,625 |
| Q4 2025 | $7.24B | $6.27B | $5.29B | $778.9M | $56.5M | 0.78% | 3.85% | 1.07% | 491,381 |
| Q3 2025 | $7.13B | $6.19B | $5.26B | $767.7M | $40.6M | 0.76% | 3.91% | 0.97% | 647,446 |
| Q2 2025 | $7.00B | $6.09B | $5.28B | $751.4M | $24.4M | 0.70% | 3.94% | 0.96% | 493,643 |
| Q1 2025 | $7.01B | $6.12B | $5.27B | $736.9M | $9.8M | 0.56% | 3.87% | 0.90% | 490,374 |
| Q4 2024 | $6.85B | $5.93B | $5.25B | $598.8M | $23.2M | 0.34% | 3.22% | 1.04% | 486,930 |
| Q3 2024 | $6.92B | $5.86B | $5.27B | $715.6M | $7.2M | 0.14% | 2.86% | 0.96% | 489,137 |
Loan mix (Q1 2026): real estate $1.61B · commercial $1.06B · consumer $2.61B · securities $1.38B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.71% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 6.3% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.32% | 81th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 73.0% | 70th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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