TellerScore

N a E Federal Credit Union is a federal credit union headquartered in Chesapeake, Virginia, in business for about 61 years. At the end of Q2 2026 it reported $125.9M in total assets and $102.2M in member shares and deposits, with 4 offices across 2 states.

Based on its Q2 2026 filing, N a E Federal Credit Union scores 81/100, which we describe as strong. That is higher than 80% of 1,341 credit unions with $100 million – $1 billion. Among 95 credit unions headquartered in Virginia, it ranks 23rd. Its strongest component is capital cushion (100/100; 16.02%), and its lowest is earnings (33/100; 0.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.02%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.36%
Earnings33/100
Return on assets (annualized): 0.31%
Funding & liquidity82/100
Loans ÷ shares: 78.0% · 12.3% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.42%

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 2 points (79 → 81), mostly because the loan quality component improved by 6 points.

TellerScore
777981Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202477
Q3 202477
Q4 202478
Q1 202579
Q2 202579
Q3 202578
Q4 202580
Q1 202680
Q2 202681
Net worth ratio
7.00%11.51%16.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202415.08%
Q3 202415.50%
Q4 202415.47%
Q1 202515.30%
Q2 202515.71%
Q3 202515.78%
Q4 202515.87%
Q1 202615.81%
Q2 202616.02%
Delinquent loans (60+ days)
0.36%0.49%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.54%
Q4 20240.58%
Q1 20250.57%
Q2 20250.55%
Q3 20250.62%
Q4 20250.42%
Q1 20260.40%
Q2 20260.36%
Return on assets
0.15%0.24%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.15%
Q3 20240.16%
Q4 20240.25%
Q1 20250.33%
Q2 20250.28%
Q3 20250.27%
Q4 20250.27%
Q1 20260.30%
Q2 20260.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$125.9M16.02%0.36%0.31%78.0%
Q1 202680$126.9M15.81%0.40%0.30%78.3%
Q4 202580$125.9M15.87%0.42%0.27%79.5%
Q3 202578$126.0M15.78%0.62%0.27%77.5%
Q2 202579$126.1M15.71%0.55%0.28%77.7%
Q1 202579$129.0M15.30%0.57%0.33%73.8%
Q4 202478$126.9M15.47%0.58%0.25%76.7%
Q3 202477$125.5M15.50%0.54%0.16%81.2%
Q2 202477$128.7M15.08%0.56%0.15%81.8%

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 ratio16.02%
90th
Problem loans0.36%
78th
Net charge-offs0.56%
30th
Return on assets0.31%
18th
Loans to deposits78.0%
45th
Uninsured deposits12.3%
10th
Loan-loss reserves0.00%
50th
Texas ratio1.4%
83rd

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Truenergy Federal Credit UnionCredit union Springfield, VA68 out of 100, Moderate$125.7M12.6%0.74%vs
Jackson River Community Credit UnionCredit union Covington, VA87 out of 100, Very strong$132.6M15.9%1.41%vs
Healthcare Systems Federal Credit UnionCredit union Falls Church, VA73 out of 100, Strong$135.5M11.4%0.49%vs
Peoples Advantage Federal Credit UnionCredit union Petersburg, VA72 out of 100, Strong$115.3M22.1%3.09%vs
Celco Community Federal Credit UnionCredit union Narrows, VA85 out of 100, Very strong$143.9M20.9%1.33%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 N a E Federal Credit Union?

Yes. N a E Federal Credit Union is a federally insured credit union (NCUA charter #16706). 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 12.3% of shares and deposits ($12.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.02%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

N a E Federal Credit Union lists 4 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
NAE FCU Platinum Visa8.99% – 16.99%$0$282.0%

All N A E Federal Credit Union card terms

Identity & history

Profile

Legal name
N a E Federal Credit Union
Type
Federal credit union
NCUA charter #
16706
RSSD ID
836889
Primary regulator
NCUA
Established
1965
Headquarters
755 Battlefield Blvd N, Chesapeake, VA 23320
Employees
38

Quick answers

N a E Federal Credit Union: common questions

Is N a E Federal Credit Union NCUA insured?

Yes. N a E Federal Credit Union is a federally insured credit union (NCUA charter #16706). 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 N a E Federal Credit Union's TellerScore?

81 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 N a E Federal Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Chesapeake

InstitutionScoreAssetsCapitalProblem loansCompare
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
Ibew Local Union 80 Federal Credit UnionCredit union Norfolk, VA84 out of 100, Strong$1.8M13.3%0.57%vs