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.

From Q2 2025 to Q2 2026, the score fell 8 points (80 → 72), mostly because the loan quality component weakened by 30 points.

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

Yes. Peoples Advantage Federal Credit Union is a federally insured credit union (NCUA charter #17464). 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 3.9% of shares and deposits ($3.4M) 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 22.15%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Peoples Advantage Federal Credit Union lists 2 offices in 2 cities. Most locations:

• Colonial Heights, VA (1)
• Richmond, VA (1)

All branch addresses and map

In 2025, Peoples Advantage Federal Credit Union reported 120 home-loan applications under HMDA (LEI 25490039PWHR3LPL6D62): 72 originated ($4,470,000 total), 34 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 32.1%, 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.

Legal name

Peoples Advantage Federal Credit Union

Type

Federal credit union

NCUA charter #

17464

RSSD ID

442589

Primary regulator

NCUA

Established

1966

Headquarters

P O Box 3180, Petersburg, VA 23805

Employees

40