TellerScore

Headquartered in Franklin, Virginia, Bronco Federal Credit Union is a federal credit union with $292.4M in total assets and $261.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1941.

Bronco Federal Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 1,341 credit unions with $100 million – $1 billion. Among 95 credit unions headquartered in Virginia, it ranks 65th. Funding & liquidity contributes the most (83/100, 77% loans-to-deposits, 6% uninsured); earnings contributes the least (43/100, 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 11.02%
Loan quality54/100
Loans 60+ days delinquent ÷ total loans: 1.37%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity83/100
Loans ÷ shares: 77.3% · 6.2% uninsured
Problem-loan coverage80/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.95%

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 8 points (69 → 61), mostly because the loan quality component weakened by 23 points.

TellerScore
616874Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202472
Q4 202474
Q1 202573
Q2 202569
Q3 202563
Q4 202561
Q1 202668
Q2 202661
Net worth ratio
7.00%9.01%11.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.42%
Q3 202410.68%
Q4 202410.82%
Q1 202510.88%
Q2 202510.92%
Q3 202510.90%
Q4 202510.80%
Q1 202610.97%
Q2 202611.02%
Delinquent loans (60+ days)
0.52%0.95%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.00%
Q3 20240.94%
Q4 20240.58%
Q1 20250.52%
Q2 20250.68%
Q3 20251.22%
Q4 20251.35%
Q1 20260.59%
Q2 20261.37%
Return on assets
0.58%1.01%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.45%
Q3 20241.39%
Q4 20241.26%
Q1 20250.98%
Q2 20250.90%
Q3 20250.85%
Q4 20250.75%
Q1 20260.61%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$292.4M11.02%1.37%0.58%77.3%
Q1 202668$293.1M10.97%0.59%0.61%77.4%
Q4 202561$283.0M10.80%1.35%0.75%81.4%
Q3 202563$279.5M10.90%1.22%0.85%81.1%
Q2 202569$272.9M10.92%0.68%0.90%79.2%
Q1 202573$273.6M10.88%0.52%0.98%72.3%
Q4 202474$260.8M10.82%0.58%1.26%70.8%
Q3 202472$256.7M10.68%0.94%1.39%71.8%
Q2 202470$257.3M10.42%1.00%1.45%72.5%

1,341 peers · $100 million – $1 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 ratio11.02%
44th
Problem loans1.37%
17th
Net charge-offs0.77%
17th
Return on assets0.58%
37th
Loans to deposits77.3%
46th
Uninsured deposits6.2%
47th
Loan-loss reserves0.00%
50th
Texas ratio9.9%
13th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Homebase Federal Credit UnionCredit union Prince George, VA72 out of 100, Strong$297.8M10.9%0.96%vs
Blue Eagle Credit UnionCredit union Roanoke, VA84 out of 100, Strong$280.8M12.9%0.11%vs
Paho/Who Federal Credit UnionCredit union Arlington, VA78 out of 100, Strong$325.8M14.3%0.64%vs
Dominion Energy Credit UnionCredit union North Chesterfi, VA84 out of 100, Strong$336.4M14.3%0.43%vs
Transportation Federal Credit UnionCredit union Alexandria, VA60 out of 100, Moderate$345.6M9.9%0.86%vs
Agriculture Federal Credit UnionCredit union Merrifield, VA76 out of 100, Strong$350.7M12.4%0.52%vs

Deposit insurance

Is my money safe at Bronco Federal Credit Union?

Yes. Bronco Federal Credit Union is a federally insured credit union (NCUA charter #4616). 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 6.2% of shares and deposits ($16.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.02%, 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

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bronco Federal Credit Union reported 138 home-loan applications under HMDA (LEI 549300G5JZD1PBR8EH75): 99 originated ($11,815,000 total), 28 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.0%, 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
Bronco Federal Credit Union
Type
Federal credit union
NCUA charter #
4616
RSSD ID
661278
Primary regulator
NCUA
Established
1941
Headquarters
135 Stewart Dr, Franklin, VA 23851
Employees
57

Quick answers

Bronco Federal Credit Union: common questions

Is Bronco Federal Credit Union NCUA insured?

Yes. Bronco Federal Credit Union is a federally insured credit union (NCUA charter #4616). 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 Bronco Federal Credit Union's TellerScore?

61 out of 100 (Moderate), 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 Bronco Federal Credit Union have?

1 office as of the latest NCUA data.