TellerScore

Headquartered in Hampton, Virginia, Hampton Roads Educ Credit Union Inc is a federally insured state-chartered credit union with $46.9M in total assets and $42.0M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1954.

Hampton Roads Educ Credit Union Inc has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 71st. Funding & liquidity contributes the most (100/100, 40% loans-to-deposits, 1% uninsured); capital cushion contributes the least (34/100, 8.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Net worth ratio: 8.41%
Loan quality67/100
Loans 60+ days delinquent ÷ total loans: 1.00%
Earnings36/100
Return on assets (annualized): 0.39%
Funding & liquidity100/100
Loans ÷ shares: 39.9% · 1.2% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.24%

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 (62 → 58), mostly because the loan quality component weakened by 16 points.

TellerScore
586265Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202465
Q4 202463
Q1 202564
Q2 202562
Q3 202565
Q4 202561
Q1 202658
Q2 202658
Net worth ratio
7.00%7.71%8.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.67%
Q3 20248.03%
Q4 20247.93%
Q1 20257.78%
Q2 20258.01%
Q3 20258.37%
Q4 20258.41%
Q1 20268.40%
Q2 20268.41%
Delinquent loans (60+ days)
0.14%0.65%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.21%
Q4 20240.29%
Q1 20250.14%
Q2 20250.52%
Q3 20250.69%
Q4 20251.17%
Q1 20261.10%
Q2 20261.00%
Return on assets
0.06%0.49%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.06%
Q3 20240.47%
Q4 20240.40%
Q1 20250.40%
Q2 20250.52%
Q3 20250.92%
Q4 20250.92%
Q1 20260.44%
Q2 20260.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$46.9M8.41%1.00%0.39%39.9%
Q1 202658$46.5M8.40%1.10%0.44%41.1%
Q4 202561$45.8M8.41%1.17%0.92%43.4%
Q3 202565$44.7M8.37%0.69%0.92%44.4%
Q2 202562$44.5M8.01%0.52%0.52%43.3%
Q1 202564$44.9M7.78%0.14%0.40%42.5%
Q4 202463$43.5M7.93%0.29%0.40%45.7%
Q3 202465$42.6M8.03%0.21%0.47%46.3%
Q2 202459$43.0M7.67%0.36%0.06%43.3%

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 ratio8.41%
6th
Problem loans1.00%
39th
Net charge-offs1.12%
13th
Return on assets0.39%
36th
Loans to deposits39.9%
78th
Uninsured deposits1.2%
52nd
Loan-loss reserves0.00%
37th
Texas ratio4.2%
34th

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Deposit insurance

Is my money safe at Hampton Roads Educ Credit Union Inc?

Yes. Hampton Roads Educ Credit Union Inc is a federally insured credit union (NCUA charter #66913). 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 1.2% of shares and deposits ($505K) 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 8.41%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Hampton Roads Educ Credit Union Inc lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hampton Roads Educ Credit Union Inc
Type
Federally insured state-chartered credit union
NCUA charter #
66913
RSSD ID
936592
Primary regulator
State + NCUA
Established
1954
Headquarters
2130 Cunningham Dr, Hampton, VA 23666
Employees
14

Quick answers

Hampton Roads Educ Credit Union Inc: common questions

Is Hampton Roads Educ Credit Union Inc NCUA insured?

Yes. Hampton Roads Educ Credit Union Inc is a federally insured credit union (NCUA charter #66913). 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 Hampton Roads Educ Credit Union Inc's TellerScore?

58 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 Hampton Roads Educ Credit Union Inc have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Hampton

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of Southside VirginiaBank Carson, VA97 out of 100, Very strong$670.3M23.4%0.08%vs
Virginia Educators Credit UnionCredit union Newport News, VA96 out of 100, Very strong$76.3M24.2%0.43%vs
Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA93 out of 100, Very strong$26.8M20.1%0.41%vs
1st Advantage Federal Credit UnionCredit union Newport News, VA90 out of 100, Very strong$1.1B16.7%0.45%vs
Beach Municipal Federal Credit UnionCredit union Virginia Beach, VA87 out of 100, Very strong$194.7M14.1%0.78%vs
Northern Star Credit Union, Inc.Credit union Portsmouth, VA85 out of 100, Very strong$73.7M16.8%0.32%vs