Poly Scientific Employees Federal Credit Union (NCUA charter #13544) is based in Blacksburg, Virginia. Its Q2 2026 call report shows $5.5M in total assets and $4.0M in member shares and deposits and 3 offices.
Poly Scientific Employees Federal Credit Union has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 69th. Capital cushion contributes the most (100/100, 26.26%); loan quality contributes the least (0/100, 5.56%).
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 9 points (51 → 60), mostly because the earnings component improved by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 56 |
| Q4 2024 | 56 |
| Q1 2025 | 56 |
| Q2 2025 | 51 |
| Q3 2025 | 53 |
| Q4 2025 | 58 |
| Q1 2026 | 61 |
| Q2 2026 | 60 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 22.92% |
| Q3 2024 | 22.89% |
| Q4 2024 | 24.39% |
| Q1 2025 | 24.21% |
| Q2 2025 | 24.26% |
| Q3 2025 | 25.35% |
| Q4 2025 | 25.64% |
| Q1 2026 | 25.63% |
| Q2 2026 | 26.26% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.60% |
| Q3 2024 | 4.28% |
| Q4 2024 | 5.24% |
| Q1 2025 | 4.50% |
| Q2 2025 | 5.87% |
| Q3 2025 | 4.90% |
| Q4 2025 | 5.53% |
| Q1 2026 | 4.67% |
| Q2 2026 | 5.56% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.61% |
| Q3 2024 | -0.00% |
| Q4 2024 | 0.23% |
| Q1 2025 | 0.14% |
| Q2 2025 | -0.74% |
| Q3 2025 | -0.11% |
| Q4 2025 | 0.28% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.44% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $5.5M | 26.26% | 5.56% | 0.44% | 62.5% |
| Q1 2026 | 61 | $5.6M | 25.63% | 4.67% | 0.51% | 64.1% |
| Q4 2025 | 58 | $5.6M | 25.64% | 5.53% | 0.28% | 69.5% |
| Q3 2025 | 53 | $5.6M | 25.35% | 4.90% | -0.11% | 78.2% |
| Q2 2025 | 51 | $5.7M | 24.26% | 5.87% | -0.74% | 71.5% |
| Q1 2025 | 56 | $5.9M | 24.21% | 4.50% | 0.14% | 73.7% |
| Q4 2024 | 56 | $5.8M | 24.39% | 5.24% | 0.23% | 75.9% |
| Q3 2024 | 56 | $6.1M | 22.89% | 4.28% | -0.00% | 68.4% |
| Q2 2024 | 52 | $6.0M | 22.92% | 3.60% | -0.61% | 68.9% |
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).
Similar-size credit unions in Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Care Federal Credit UnionCredit union Roanoke, VA | 48 out of 100, Below average | $5.0M | 8.3% | 1.32% | vs |
| Kraftsman Federal Credit UnionCredit union Hopewell, VA | 65 out of 100, Moderate | $4.8M | 29.2% | 4.57% | vs |
| Yogaville Federal Credit UnionCredit union Buckingham, VA | 67 out of 100, Moderate | $3.9M | 32.3% | 1.54% | vs |
| Halifax County Community Federal Credit UnionCredit union South Boston, VA | 45 out of 100, Below average | $7.1M | 6.2% | 0.97% | vs |
| St. Ann'S Arlington Federal Credit UnionCredit union Arlington, VA | 76 out of 100, Strong | $3.1M | 12.3% | 0.00% | vs |
| Summit Hampton Roads Federal Credit UnionCredit union Norfolk, VA | 52 out of 100, Below average | $8.2M | 14.3% | 2.89% | vs |
Deposit insurance
Is my money safe at Poly Scientific Employees Federal Credit Union?
Yes. Poly Scientific Employees Federal Credit Union is a federally insured credit union (NCUA charter #13544). 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 0.0% of shares and deposits ($0) 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 26.26%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Poly Scientific Employees Federal Credit Union lists 3 offices in 1 city. Most locations:
- Blacksburg, VA (3)
Identity & history
Profile
- Legal name
- Poly Scientific Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 13544
- RSSD ID
- 664381
- Primary regulator
- NCUA
- Established
- 1960
- Headquarters
- 1213 N Main St, Blacksburg, VA 24060
- Employees
- 2
Quick answers
Poly Scientific Employees Federal Credit Union: common questions
Is Poly Scientific Employees Federal Credit Union NCUA insured?
Yes. Poly Scientific Employees Federal Credit Union is a federally insured credit union (NCUA charter #13544). 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 Poly Scientific Employees Federal Credit Union's TellerScore?
60 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 Poly Scientific Employees Federal Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Blacksburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| G E a Employees Federal Credit UnionCredit union Pearisburg, VA | 92 out of 100, Very strong | $2.1M | 24.1% | 0.10% | vs |
| Farmers & Merchants Bank of Craig CountyBank New Castle, VA | 92 out of 100, Very strong | $93.0M | 16.9% | 0.00% | vs |
| Celco Community Federal Credit UnionCredit union Narrows, VA | 85 out of 100, Very strong | $143.9M | 20.9% | 1.33% | vs |
| Blue Eagle Credit UnionCredit union Roanoke, VA | 84 out of 100, Strong | $280.8M | 12.9% | 0.11% | vs |
| Kemba Roanoke Federal Credit UnionCredit union Salem, VA | 82 out of 100, Strong | $76.7M | 16.4% | 0.74% | vs |
| Salem VA Medical Center Federal Credit UnionCredit union Salem, VA | 80 out of 100, Strong | $93.5M | 13.0% | 0.16% | vs |