First Care Federal Credit Union (NCUA charter #22322) is based in Roanoke, Virginia. Its Q2 2026 call report shows $5.0M in total assets and $4.6M in member shares and deposits and 1 office.
First Care Federal Credit Union has a TellerScore of 48 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 85th. Funding & liquidity contributes the most (100/100, 50% loans-to-deposits, 0% uninsured); earnings contributes the least (0/100, -19.19%).
TellerScore · Q2 2026
Scorecard
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 4 points (52 → 48), mostly because the capital cushion component weakened by 67 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 75 |
| Q4 2024 | 70 |
| Q1 2025 | 69 |
| Q2 2025 | 52 |
| Q3 2025 | 61 |
| Q4 2025 | 53 |
| Q1 2026 | 71 |
| Q2 2026 | 48 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 16.00% |
| Q3 2024 | 16.23% |
| Q4 2024 | 16.56% |
| Q1 2025 | 16.36% |
| Q2 2025 | 16.21% |
| Q3 2025 | 15.80% |
| Q4 2025 | 15.69% |
| Q1 2026 | 14.12% |
| Q2 2026 | 8.29% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 1.26% |
| Q4 2024 | 1.76% |
| Q1 2025 | 1.32% |
| Q2 2025 | 3.34% |
| Q3 2025 | 2.15% |
| Q4 2025 | 2.99% |
| Q1 2026 | 0.74% |
| Q2 2026 | 1.32% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.34% |
| Q1 2025 | -0.33% |
| Q2 2025 | -0.80% |
| Q3 2025 | -1.48% |
| Q4 2025 | -1.89% |
| Q1 2026 | -5.69% |
| Q2 2026 | -19.19% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 48 | $5.0M | 8.29% | 1.32% | -19.19% | 50.3% |
| Q1 2026 | 71 | $5.8M | 14.12% | 0.74% | -5.69% | 53.3% |
| Q4 2025 | 53 | $5.7M | 15.69% | 2.99% | -1.89% | 59.9% |
| Q3 2025 | 61 | $6.0M | 15.80% | 2.15% | -1.48% | 59.8% |
| Q2 2025 | 52 | $6.1M | 16.21% | 3.34% | -0.80% | 63.4% |
| Q1 2025 | 69 | $6.1M | 16.36% | 1.32% | -0.33% | 61.7% |
| Q4 2024 | 70 | $6.1M | 16.56% | 1.76% | 0.34% | 64.0% |
| Q3 2024 | 75 | $6.2M | 16.23% | 1.26% | 0.40% | 64.1% |
| Q2 2024 | 85 | $6.2M | 16.00% | 0.06% | 0.36% | 67.7% |
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).
Similar-size credit unions in Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kraftsman Federal Credit UnionCredit union Hopewell, VA | 65 out of 100, Moderate | $4.8M | 29.2% | 4.57% | vs |
| Poly Scientific Employees Federal Credit UnionCredit union Blacksburg, VA | 60 out of 100, Moderate | $5.5M | 26.3% | 5.56% | vs |
| Yogaville Federal Credit UnionCredit union Buckingham, VA | 67 out of 100, Moderate | $3.9M | 32.3% | 1.54% | vs |
| St. Ann'S Arlington Federal Credit UnionCredit union Arlington, VA | 76 out of 100, Strong | $3.1M | 12.3% | 0.00% | vs |
| Halifax County Community Federal Credit UnionCredit union South Boston, VA | 45 out of 100, Below average | $7.1M | 6.2% | 0.97% | vs |
| High Street Baptist Church Federal Credit UnionCredit union Roanoke, VA | 92 out of 100, Very strong | $2.5M | 14.7% | 0.00% | vs |
Deposit insurance
Is my money safe at First Care Federal Credit Union?
Yes. First Care Federal Credit Union is a federally insured credit union (NCUA charter #22322). 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 0.0% of shares and deposits ($0) 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 8.29%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
First Care Federal Credit Union lists 1 office in 1 city. Most locations:
- Roanoke, VA (1)
Identity & history
Profile
- Legal name
- First Care Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 22322
- RSSD ID
- 548584
- Primary regulator
- NCUA
- Established
- 1976
- Headquarters
- 109 Highland Ave SW, Roanoke, VA 24016
- Employees
- 3
Quick answers
First Care Federal Credit Union: common questions
Is First Care Federal Credit Union NCUA insured?
Yes. First Care Federal Credit Union is a federally insured credit union (NCUA charter #22322). 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 First Care Federal Credit Union's TellerScore?
48 out of 100 (Below average), 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 First Care Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Roanoke
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| High Street Baptist Church Federal Credit UnionCredit union Roanoke, VA | 92 out of 100, Very strong | $2.5M | 14.7% | 0.00% | vs |
| Farmers & Merchants Bank of Craig CountyBank New Castle, VA | 92 out of 100, Very strong | $93.0M | 16.9% | 0.00% | vs |
| Roanoke Valley Community Federal Credit UnionCredit union Roanoke, VA | 89 out of 100, Very strong | $107.4M | 16.3% | 0.34% | vs |
| Blue Eagle Credit UnionCredit union Roanoke, VA | 84 out of 100, Strong | $280.8M | 12.9% | 0.11% | vs |
| Kemba Roanoke Federal Credit UnionCredit union Salem, VA | 82 out of 100, Strong | $76.7M | 16.4% | 0.74% | vs |
| Salem VA Medical Center Federal Credit UnionCredit union Salem, VA | 80 out of 100, Strong | $93.5M | 13.0% | 0.16% | vs |