Justice Federal Credit Union is a federal credit union headquartered in Chantilly, Virginia, in business for about 91 years. At the end of Q2 2026 it reported $1.1B in total assets and $997.6M in member shares and deposits, with 14 offices across 6 states.
Justice Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 454 credit unions with $1 billion – $10 billion. Among 95 credit unions headquartered in Virginia, it ranks 57th. Problem-loan coverage contributes the most (84/100, 8.1%); earnings contributes the least (48/100, 0.70%).
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 8 points (57 → 65), mostly because the earnings component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 62 |
| Q4 2024 | 62 |
| Q1 2025 | 62 |
| Q2 2025 | 57 |
| Q3 2025 | 59 |
| Q4 2025 | 59 |
| Q1 2026 | 66 |
| Q2 2026 | 65 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.71% |
| Q3 2024 | 12.81% |
| Q4 2024 | 12.68% |
| Q1 2025 | 12.56% |
| Q2 2025 | 12.36% |
| Q3 2025 | 12.20% |
| Q4 2025 | 12.03% |
| Q1 2026 | 11.94% |
| Q2 2026 | 12.12% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.38% |
| Q3 2024 | 1.52% |
| Q4 2024 | 1.52% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.72% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.58% |
| Q1 2026 | 0.89% |
| Q2 2026 | 1.28% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.38% |
| Q1 2025 | -0.09% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.09% |
| Q4 2025 | 0.19% |
| Q1 2026 | 0.41% |
| Q2 2026 | 0.70% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $1.1B | 12.12% | 1.28% | 0.70% | 87.7% |
| Q1 2026 | 66 | $1.2B | 11.94% | 0.89% | 0.41% | 79.4% |
| Q4 2025 | 59 | $1.1B | 12.03% | 1.58% | 0.19% | 78.6% |
| Q3 2025 | 59 | $1.1B | 12.20% | 1.60% | 0.09% | 77.3% |
| Q2 2025 | 57 | $1.1B | 12.36% | 1.72% | 0.01% | 77.2% |
| Q1 2025 | 62 | $1.1B | 12.56% | 1.16% | -0.09% | 79.6% |
| Q4 2024 | 62 | $1.1B | 12.68% | 1.52% | 0.38% | 85.1% |
| Q3 2024 | 62 | $1.0B | 12.81% | 1.52% | 0.43% | 86.0% |
| Q2 2024 | 61 | $1.0B | 12.71% | 1.38% | 0.17% | 86.3% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st Advantage Federal Credit UnionCredit union Newport News, VA | 90 out of 100, Very strong | $1.1B | 16.7% | 0.45% | vs |
| Freedom First Federal Credit UnionCredit union Roanoke, VA | 64 out of 100, Moderate | $1.3B | 10.9% | 0.48% | vs |
| United States Senate Federal Credit UnionCredit union Alexandria, VA | 45 out of 100, Below average | $1.5B | 7.9% | 1.63% | vs |
| University of VA Community Credit UnionCredit union Charlottesville, VA | 69 out of 100, Moderate | $1.6B | 10.4% | 0.57% | vs |
| Dupont Community Credit UnionCredit union Waynesboro, VA | 76 out of 100, Strong | $2.1B | 10.9% | 0.33% | vs |
| Bayport Federal Credit UnionCredit union Newport News, VA | 69 out of 100, Moderate | $2.8B | 11.3% | 0.71% | vs |
Deposit insurance
Is my money safe at Justice Federal Credit Union?
Yes. Justice Federal Credit Union is a federally insured credit union (NCUA charter #151). 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 10.2% of shares and deposits ($102.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 12.12%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
14 locations
Branches
Justice Federal Credit Union lists 14 offices in 9 cities across 6 states. Most locations:
- Bridgeport, WV (3)
- Washington, DC (3)
- Chantilly, VA (2)
- Arlington, VA (1)
- Clarksburg, WV (1)
- Houston, TX (1)
- Los Angeles, CA (1)
- New York, NY (1)
- Quantico, VA (1)
HMDA 2025
Mortgage lending
In 2025, Justice Federal Credit Union reported 774 home-loan applications under HMDA (LEI 549300AOB4S7B0DB7863): 425 originated ($90,365,000 total), 87 denied, and 177 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.6%, 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
- Justice Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 151
- RSSD ID
- 897479
- Primary regulator
- NCUA
- Established
- 1935
- Headquarters
- 5175 Parkstone Drive Suite 200, Chantilly, VA 20151
- Employees
- 166
Quick answers
Justice Federal Credit Union: common questions
Is Justice Federal Credit Union NCUA insured?
Yes. Justice Federal Credit Union is a federally insured credit union (NCUA charter #151). 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 Justice Federal Credit Union's TellerScore?
65 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 Justice Federal Credit Union have?
14 offices as of the latest NCUA data, in 6 states.
Nearby
Highest-scoring banks and credit unions with branches near Chantilly
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Angelina County Teachers Credit UnionCredit union Lufkin, TX | 100 out of 100, Very strong | $12.9M | 18.4% | 0.04% | vs |
| Mount Pleasant Baptist Church Federal Credit UnionCredit union Alexandria, VA | 100 out of 100, Very strong | $370K | 17.4% | 0.00% | vs |
| Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL | 99 out of 100, Very strong | $2.2M | 23.1% | 0.08% | vs |
| Lee Federal Credit UnionCredit union Washington, DC | 99 out of 100, Very strong | $5.5M | 50.7% | 0.00% | vs |
| Christiansted Federal Credit UnionCredit union Christiansted, VI | 98 out of 100, Very strong | $34.0M | 20.6% | 0.23% | vs |
| Deer Lodge County School Emp Federal Credit UnionCredit union Anaconda, MT | 95 out of 100, Very strong | $9.7M | 13.7% | 0.00% | vs |