Halifax County Community Federal Credit Union is a federal credit union headquartered in South Boston, Virginia, in business for about 45 years. At the end of Q2 2026 it reported $7.1M in total assets and $6.7M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, Halifax County Community Federal Credit Union scores 45/100, which we describe as below average. That is higher than only 5% of 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 90th. Its strongest component is funding & liquidity (100/100; 30% loans-to-deposits, 0% uninsured), and its lowest is earnings (0/100; -1.47%).
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 rose 13 points (32 → 45), mostly because the loan quality component improved by 68 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 38 |
| Q3 2024 | 43 |
| Q4 2024 | 41 |
| Q1 2025 | 57 |
| Q2 2025 | 32 |
| Q3 2025 | 33 |
| Q4 2025 | 39 |
| Q1 2026 | 46 |
| Q2 2026 | 45 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.09% |
| Q3 2024 | 7.90% |
| Q4 2024 | 7.88% |
| Q1 2025 | 8.34% |
| Q2 2025 | 7.59% |
| Q3 2025 | 7.22% |
| Q4 2025 | 7.43% |
| Q1 2026 | 6.54% |
| Q2 2026 | 6.24% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.52% |
| Q3 2024 | 1.82% |
| Q4 2024 | 2.06% |
| Q1 2025 | 1.55% |
| Q2 2025 | 3.16% |
| Q3 2025 | 3.31% |
| Q4 2025 | 2.32% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.97% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.45% |
| Q3 2024 | -0.60% |
| Q4 2024 | -0.59% |
| Q1 2025 | 0.88% |
| Q2 2025 | -2.53% |
| Q3 2025 | -0.20% |
| Q4 2025 | -0.18% |
| Q1 2026 | -1.49% |
| Q2 2026 | -1.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 45 | $7.1M | 6.24% | 0.97% | -1.47% | 29.7% |
| Q1 2026 | 46 | $7.2M | 6.54% | 0.89% | -1.49% | 25.2% |
| Q4 2025 | 39 | $6.7M | 7.43% | 2.32% | -0.18% | 22.9% |
| Q3 2025 | 33 | $6.9M | 7.22% | 3.31% | -0.20% | 14.3% |
| Q2 2025 | 32 | $6.7M | 7.59% | 3.16% | -2.53% | 12.9% |
| Q1 2025 | 57 | $6.5M | 8.34% | 1.55% | 0.88% | 13.4% |
| Q4 2024 | 41 | $6.5M | 7.88% | 2.06% | -0.59% | 13.5% |
| Q3 2024 | 43 | $6.7M | 7.90% | 1.82% | -0.60% | 12.1% |
| Q2 2024 | 38 | $6.6M | 8.09% | 2.52% | -0.45% | 12.1% |
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 |
|---|---|---|---|---|---|
| Summit Hampton Roads Federal Credit UnionCredit union Norfolk, VA | 52 out of 100, Below average | $8.2M | 14.3% | 2.89% | vs |
| Port of Hampton Roads Ila Federal Credit UnionCredit union Norfolk, VA | 67 out of 100, Moderate | $8.4M | 7.7% | 0.00% | vs |
| Mosaic Federal Credit UnionCredit union Harrisonburg, VA | 39 out of 100, Low | $8.8M | 8.4% | 2.21% | vs |
| Poly Scientific Employees Federal Credit UnionCredit union Blacksburg, VA | 60 out of 100, Moderate | $5.5M | 26.3% | 5.56% | vs |
| First Care Federal Credit UnionCredit union Roanoke, VA | 48 out of 100, Below average | $5.0M | 8.3% | 1.32% | vs |
| Kraftsman Federal Credit UnionCredit union Hopewell, VA | 65 out of 100, Moderate | $4.8M | 29.2% | 4.57% | vs |
Deposit insurance
Is my money safe at Halifax County Community Federal Credit Union?
Yes. Halifax County Community Federal Credit Union is a federally insured credit union (NCUA charter #23760). 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 6.24%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Halifax County Community Federal Credit Union lists 2 offices in 1 city. Most locations:
- South Boston, VA (2)
Identity & history
Profile
- Legal name
- Halifax County Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 23760
- RSSD ID
- 841799
- Primary regulator
- NCUA
- Established
- 1981
- Headquarters
- 1176 Huell Mathews Hwy, South Boston, VA 24592
- Employees
- 3
Quick answers
Halifax County Community Federal Credit Union: common questions
Is Halifax County Community Federal Credit Union NCUA insured?
Yes. Halifax County Community Federal Credit Union is a federally insured credit union (NCUA charter #23760). 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 Halifax County Community Federal Credit Union's TellerScore?
45 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 Halifax County Community Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near South Boston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vision Financial Federal Credit UnionCredit union Durham, NC | 94 out of 100, Very strong | $59.5M | 16.8% | 0.00% | vs |
| Roxboro Savings Bank, SSBBank Roxboro, NC | 90 out of 100, Very strong | $360.7M | 19.0% | 0.13% | vs |
| The Fidelity BankBank Fuquay Varina, NC | 78 out of 100, Strong | $4.7B | 11.5% | 0.42% | vs |
| Carter Bank & TrustBank Martinsville, VA | 76 out of 100, Strong | $4.8B | 11.7% | 1.01% | vs |
| Benchmark Community BankBank Kenbridge, VA | 75 out of 100, Strong | $1.4B | 9.8% | 0.17% | vs |
| Atlantic Union BankBank Richmond City, VA | 73 out of 100, Strong | $38.0B | 11.4% | 0.50% | vs |