TellerScore

Apple Federal Credit Union is a federal credit union headquartered in Fairfax, Virginia, in business for about 70 years. At the end of Q2 2026 it reported $5.7B in total assets and $4.8B in member shares and deposits, with 15 offices.

Based on its Q2 2026 filing, Apple Federal Credit Union scores 76/100, which we describe as strong. That is higher than 79% of 454 credit unions with $1 billion – $10 billion. Among 95 credit unions headquartered in Virginia, it ranks 29th. Its strongest component is problem-loan coverage (93/100; 3.3%), and its lowest is capital cushion (59/100; 10.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.93%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.56%
Earnings76/100
Return on assets (annualized): 1.40%
Funding & liquidity90/100
Loans ÷ shares: 69.9% · 13.2% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.32%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (69 → 76), mostly because the earnings component improved by 23 points.

TellerScore
677481Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202470
Q4 202467
Q1 202571
Q2 202569
Q3 202570
Q4 202570
Q1 202681
Q2 202676
Net worth ratio
7.00%8.96%10.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.18%
Q3 202410.31%
Q4 202410.22%
Q1 202510.49%
Q2 202510.62%
Q3 202510.73%
Q4 202510.68%
Q1 202610.83%
Q2 202610.93%
Delinquent loans (60+ days)
0.26%0.44%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.26%
Q3 20240.29%
Q4 20240.61%
Q1 20250.41%
Q2 20250.60%
Q3 20250.57%
Q4 20250.61%
Q1 20260.50%
Q2 20260.56%
Return on assets
0.72%1.33%1.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.72%
Q3 20240.75%
Q4 20240.75%
Q1 20250.79%
Q2 20250.84%
Q3 20250.83%
Q4 20250.84%
Q1 20261.95%
Q2 20261.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$5.7B10.93%0.56%1.40%69.9%
Q1 202681$5.6B10.83%0.50%1.95%70.6%
Q4 202570$5.4B10.68%0.61%0.84%73.5%
Q3 202570$5.3B10.73%0.57%0.83%74.6%
Q2 202569$5.3B10.62%0.60%0.84%75.9%
Q1 202571$5.2B10.49%0.41%0.79%76.6%
Q4 202467$4.6B10.22%0.61%0.75%77.3%
Q3 202470$4.5B10.31%0.29%0.75%79.4%
Q2 202470$4.5B10.18%0.26%0.72%78.8%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.93%
52nd
Problem loans0.56%
64th
Net charge-offs0.55%
45th
Return on assets1.40%
88th
Loans to deposits69.9%
86th
Uninsured deposits13.2%
20th
Loan-loss reserves0.00%
50th
Texas ratio3.3%
71st

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Langley Federal Credit UnionCredit union Newport News, VA54 out of 100, Below average$5.6B9.3%1.32%vs
Northwest Federal Credit UnionCredit union Herndon, VA69 out of 100, Moderate$4.6B11.8%0.39%vs
Virginia Federal Credit UnionCredit union Richmond, VA61 out of 100, Moderate$7.4B10.9%1.05%vs
Chartway Federal Credit UnionCredit union Virginia Beach, VA50 out of 100, Below average$3.2B8.4%1.15%vs
State Department Federal Credit UnionCredit union Alexandria, VA65 out of 100, Moderate$2.9B10.8%0.86%vs
Bayport Federal Credit UnionCredit union Newport News, VA69 out of 100, Moderate$2.8B11.3%0.71%vs

Deposit insurance

Is my money safe at Apple Federal Credit Union?

Yes. Apple Federal Credit Union is a federally insured credit union (NCUA charter #11307). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 13.2% of shares and deposits ($626.2M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.93%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

15 locations

Branches

Apple Federal Credit Union lists 15 offices in 12 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Apple Federal Credit Union reported 2,104 home-loan applications under HMDA (LEI 254900NZCGMT6517BA94): 1,229 originated ($226,645,000 total), 606 denied, and 269 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Apple Federal Credit Union
Type
Federal credit union
NCUA charter #
11307
RSSD ID
625289
Primary regulator
NCUA
Established
1956
Headquarters
PO Box 1200, Fairfax, VA 22038
Employees
617

Quick answers

Apple Federal Credit Union: common questions

Is Apple Federal Credit Union NCUA insured?

Yes. Apple Federal Credit Union is a federally insured credit union (NCUA charter #11307). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Apple Federal Credit Union's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Apple Federal Credit Union have?

15 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fairfax

InstitutionScoreAssetsCapitalProblem loansCompare
Angelina County Teachers Credit UnionCredit union Lufkin, TX100 out of 100, Very strong$12.9M18.4%0.04%vs
Mount Pleasant Baptist Church Federal Credit UnionCredit union Alexandria, VA100 out of 100, Very strong$370K17.4%0.00%vs
Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL99 out of 100, Very strong$2.2M23.1%0.08%vs
Lee Federal Credit UnionCredit union Washington, DC99 out of 100, Very strong$5.5M50.7%0.00%vs
Christiansted Federal Credit UnionCredit union Christiansted, VI98 out of 100, Very strong$34.0M20.6%0.23%vs
Deer Lodge County School Emp Federal Credit UnionCredit union Anaconda, MT95 out of 100, Very strong$9.7M13.7%0.00%vs