TellerScore

Headquartered in Verona, Virginia, Augusta County Federal Credit Union is a federal credit union with $25.7M in total assets and $18.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1957.

Augusta County Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 33rd. Capital cushion contributes the most (100/100, 26.25%); loan quality contributes the least (9/100, 2.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 26.25%
Loan quality9/100
Loans 60+ days delinquent ÷ total loans: 2.72%
Earnings97/100
Return on assets (annualized): 1.91%
Funding & liquidity100/100
Loans ÷ shares: 50.9% · 1.9% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.92%

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 fell 21 points (97 → 76), mostly because the loan quality component weakened by 79 points.

TellerScore
768797Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202482
Q4 202491
Q1 202594
Q2 202597
Q3 202587
Q4 202592
Q1 202687
Q2 202676
Net worth ratio
7.00%16.63%26.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202423.77%
Q3 202423.80%
Q4 202424.94%
Q1 202524.99%
Q2 202525.46%
Q3 202525.45%
Q4 202525.67%
Q1 202625.93%
Q2 202626.25%
Delinquent loans (60+ days)
0.36%1.54%2.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.66%
Q3 20241.17%
Q4 20240.53%
Q1 20250.69%
Q2 20250.36%
Q3 20251.53%
Q4 20250.96%
Q1 20261.34%
Q2 20262.72%
Return on assets
0.86%1.62%2.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.86%
Q3 20241.07%
Q4 20241.39%
Q1 20252.25%
Q2 20252.39%
Q3 20252.33%
Q4 20252.17%
Q1 20261.85%
Q2 20261.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$25.7M26.25%2.72%1.91%50.9%
Q1 202687$25.5M25.93%1.34%1.85%51.0%
Q4 202592$25.3M25.67%0.96%2.17%52.6%
Q3 202587$25.1M25.45%1.53%2.33%53.7%
Q2 202597$24.5M25.46%0.36%2.39%54.7%
Q1 202594$24.4M24.99%0.69%2.25%54.4%
Q4 202491$23.9M24.94%0.53%1.39%56.5%
Q3 202482$24.4M23.80%1.17%1.07%54.4%
Q2 202476$24.1M23.77%1.66%0.86%54.9%

2,479 peers · Under $100 million in assets

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 ratio26.25%
91st
Problem loans2.72%
14th
Net charge-offs0.01%
67th
Return on assets1.91%
93rd
Loans to deposits50.9%
62nd
Uninsured deposits1.9%
45th
Loan-loss reserves0.00%
37th
Texas ratio3.9%
36th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA93 out of 100, Very strong$26.8M20.1%0.41%vs
Strategic Federal Credit UnionCredit union Sterling, VA60 out of 100, Moderate$23.1M10.3%1.11%vs
Richmond Virginia Fire Police Credi Credit UnionCredit union Richmond, VA88 out of 100, Very strong$21.2M15.4%0.55%vs
Lynchburg Municipal Employees Federal Credit UnionCredit union Lynchburg, VA81 out of 100, Strong$31.4M12.1%0.28%vs
Pfd Firefighters Credit Union Inc.Credit union Portsmouth, VA82 out of 100, Strong$34.4M14.9%0.07%vs
Augusta Health Care Credit UnionCredit union Fishersville, VA90 out of 100, Very strong$15.2M21.1%0.61%vs

Deposit insurance

Is my money safe at Augusta County Federal Credit Union?

Yes. Augusta County Federal Credit Union is a federally insured credit union (NCUA charter #11744). 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 1.9% of shares and deposits ($358K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 26.25%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Augusta County Federal Credit Union lists 1 office in 1 city. Most locations:

  • Verona, VA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Augusta County Federal Credit Union
Type
Federal credit union
NCUA charter #
11744
RSSD ID
869083
Primary regulator
NCUA
Established
1957
Headquarters
P O Box 590, Verona, VA 24482
Employees
6

Quick answers

Augusta County Federal Credit Union: common questions

Is Augusta County Federal Credit Union NCUA insured?

Yes. Augusta County Federal Credit Union is a federally insured credit union (NCUA charter #11744). 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 Augusta County 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 Augusta County Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Verona

InstitutionScoreAssetsCapitalProblem loansCompare
Augusta Health Care Credit UnionCredit union Fishersville, VA90 out of 100, Very strong$15.2M21.1%0.61%vs
Merck Employees Federal Credit UnionCredit union Rahway, NJ86 out of 100, Very strong$1.7B15.4%0.30%vs
Pioneer BankBank Stanley, VA84 out of 100, Strong$371.8M12.0%0.03%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
Dupont Community Credit UnionCredit union Waynesboro, VA76 out of 100, Strong$2.1B10.9%0.33%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs