TellerScore

Headquartered in Falls Church, Virginia, Healthcare Systems Federal Credit Union is a federal credit union with $135.5M in total assets and $120.6M in member shares and deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1966.

Healthcare Systems Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 60% of its 1,341 credit unions with $100 million – $1 billion. Among 95 credit unions headquartered in Virginia, it ranks 37th. Funding & liquidity contributes the most (99/100, 62% loans-to-deposits, 2% uninsured); earnings contributes the least (42/100, 0.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Net worth ratio: 11.41%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.49%
Earnings42/100
Return on assets (annualized): 0.54%
Funding & liquidity99/100
Loans ÷ shares: 61.6% · 1.6% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.39%

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 4 points (69 → 73), mostly because the capital cushion component improved by 6 points.

TellerScore
687173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202469
Q4 202468
Q1 202568
Q2 202569
Q3 202570
Q4 202570
Q1 202672
Q2 202673
Net worth ratio
7.00%9.21%11.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.55%
Q3 202410.78%
Q4 202410.96%
Q1 202510.70%
Q2 202510.81%
Q3 202511.01%
Q4 202510.99%
Q1 202611.11%
Q2 202611.41%
Delinquent loans (60+ days)
0.43%0.65%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.57%
Q3 20240.71%
Q4 20240.86%
Q1 20250.67%
Q2 20250.57%
Q3 20250.58%
Q4 20250.55%
Q1 20260.43%
Q2 20260.49%
Return on assets
0.36%0.47%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.59%
Q4 20240.57%
Q1 20250.42%
Q2 20250.43%
Q3 20250.36%
Q4 20250.41%
Q1 20260.40%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$135.5M11.41%0.49%0.54%61.6%
Q1 202672$137.5M11.11%0.43%0.40%59.8%
Q4 202570$137.3M10.99%0.55%0.41%59.7%
Q3 202570$135.4M11.01%0.58%0.36%59.4%
Q2 202569$137.9M10.81%0.57%0.43%58.9%
Q1 202568$138.0M10.70%0.67%0.42%58.4%
Q4 202468$133.3M10.96%0.86%0.57%61.5%
Q3 202469$133.9M10.78%0.71%0.59%60.7%
Q2 202470$135.5M10.55%0.57%0.56%59.7%

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 ratio11.41%
50th
Problem loans0.49%
65th
Net charge-offs0.37%
49th
Return on assets0.54%
34th
Loans to deposits61.6%
75th
Uninsured deposits1.6%
92nd
Loan-loss reserves0.00%
50th
Texas ratio2.4%
71st

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Jackson River Community Credit UnionCredit union Covington, VA87 out of 100, Very strong$132.6M15.9%1.41%vs
Celco Community Federal Credit UnionCredit union Narrows, VA85 out of 100, Very strong$143.9M20.9%1.33%vs
N a E Federal Credit UnionCredit union Chesapeake, VA81 out of 100, Strong$125.9M16.0%0.36%vs
Truenergy Federal Credit UnionCredit union Springfield, VA68 out of 100, Moderate$125.7M12.6%0.74%vs
Peoples Advantage Federal Credit UnionCredit union Petersburg, VA72 out of 100, Strong$115.3M22.1%3.09%vs
Roanoke Valley Community Federal Credit UnionCredit union Roanoke, VA89 out of 100, Very strong$107.4M16.3%0.34%vs

Deposit insurance

Is my money safe at Healthcare Systems Federal Credit Union?

Yes. Healthcare Systems Federal Credit Union is a federally insured credit union (NCUA charter #24564). 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 1.6% of shares and deposits ($2.0M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.41%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Healthcare Systems Federal Credit Union lists 7 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Healthcare Systems Federal Credit Union
Type
Federal credit union
NCUA charter #
24564
RSSD ID
232696
Primary regulator
NCUA
Established
1966
Headquarters
3300 Gallows Rd, Falls Church, VA 22042
Employees
32

Quick answers

Healthcare Systems Federal Credit Union: common questions

Is Healthcare Systems Federal Credit Union NCUA insured?

Yes. Healthcare Systems Federal Credit Union is a federally insured credit union (NCUA charter #24564). 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 Healthcare Systems Federal Credit Union's TellerScore?

73 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 Healthcare Systems Federal Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Falls Church

InstitutionScoreAssetsCapitalProblem loansCompare
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