TellerScore

Headquartered in Roanoke, Virginia, Roanoke Valley Community Federal Credit Union is a federal credit union with $107.4M in total assets and $89.5M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1947.

Roanoke Valley Community Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 1,341 credit unions with $100 million – $1 billion. Among 95 credit unions headquartered in Virginia, it ranks 9th. Capital cushion contributes the most (100/100, 16.31%); funding & liquidity contributes the least (74/100, 86% loans-to-deposits, 4% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.31%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.34%
Earnings79/100
Return on assets (annualized): 1.47%
Funding & liquidity74/100
Loans ÷ shares: 86.3% · 3.8% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.60%

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 (85 → 89), mostly because the loan quality component improved by 11 points.

TellerScore
838790Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202485
Q4 202485
Q1 202585
Q2 202585
Q3 202583
Q4 202589
Q1 202690
Q2 202689
Net worth ratio
7.00%11.65%16.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.76%
Q3 202413.67%
Q4 202414.29%
Q1 202514.73%
Q2 202515.50%
Q3 202516.04%
Q4 202516.19%
Q1 202616.01%
Q2 202616.31%
Delinquent loans (60+ days)
0.23%0.60%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.23%
Q3 20240.29%
Q4 20240.48%
Q1 20250.51%
Q2 20250.67%
Q3 20250.96%
Q4 20250.27%
Q1 20260.25%
Q2 20260.34%
Return on assets
1.27%1.42%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.50%
Q3 20241.45%
Q4 20241.47%
Q1 20251.27%
Q2 20251.42%
Q3 20251.57%
Q4 20251.54%
Q1 20261.55%
Q2 20261.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$107.4M16.31%0.34%1.47%86.3%
Q1 202690$107.1M16.01%0.25%1.55%86.4%
Q4 202589$103.3M16.19%0.27%1.54%91.8%
Q3 202583$101.9M16.04%0.96%1.57%90.7%
Q2 202585$102.5M15.50%0.67%1.42%87.7%
Q1 202585$105.2M14.73%0.51%1.27%85.3%
Q4 202485$106.0M14.29%0.48%1.47%85.0%
Q3 202485$108.1M13.67%0.29%1.45%82.9%
Q2 202488$104.5M13.76%0.23%1.50%73.0%

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 ratio16.31%
91st
Problem loans0.34%
79th
Net charge-offs0.16%
76th
Return on assets1.47%
88th
Loans to deposits86.3%
25th
Uninsured deposits3.8%
74th
Loan-loss reserves0.00%
50th
Texas ratio1.6%
80th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Advantage Federal Credit UnionCredit union Petersburg, VA72 out of 100, Strong$115.3M22.1%3.09%vs
Truenergy Federal Credit UnionCredit union Springfield, VA68 out of 100, Moderate$125.7M12.6%0.74%vs
N a E Federal Credit UnionCredit union Chesapeake, VA81 out of 100, Strong$125.9M16.0%0.36%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
Celco Community Federal Credit UnionCredit union Narrows, VA85 out of 100, Very strong$143.9M20.9%1.33%vs

Deposit insurance

Is my money safe at Roanoke Valley Community Federal Credit Union?

Yes. Roanoke Valley Community Federal Credit Union is a federally insured credit union (NCUA charter #5604). 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 3.8% 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 16.31%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Roanoke Valley Community Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Roanoke Valley Community Federal Credit Union
Type
Federal credit union
NCUA charter #
5604
RSSD ID
797971
Primary regulator
NCUA
Established
1947
Headquarters
P.O. Box 13045, Roanoke, VA 24030
Employees
26

Quick answers

Roanoke Valley Community Federal Credit Union: common questions

Is Roanoke Valley Community Federal Credit Union NCUA insured?

Yes. Roanoke Valley Community Federal Credit Union is a federally insured credit union (NCUA charter #5604). 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 Roanoke Valley Community Federal Credit Union's TellerScore?

89 out of 100 (Very 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 Roanoke Valley Community Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Roanoke

InstitutionScoreAssetsCapitalProblem loansCompare
High Street Baptist Church Federal Credit UnionCredit union Roanoke, VA92 out of 100, Very strong$2.5M14.7%0.00%vs
Farmers & Merchants Bank of Craig CountyBank New Castle, VA92 out of 100, Very strong$93.0M16.9%0.00%vs
Blue Eagle Credit UnionCredit union Roanoke, VA84 out of 100, Strong$280.8M12.9%0.11%vs
Kemba Roanoke Federal Credit UnionCredit union Salem, VA82 out of 100, Strong$76.7M16.4%0.74%vs
Salem VA Medical Center Federal Credit UnionCredit union Salem, VA80 out of 100, Strong$93.5M13.0%0.16%vs
Bank of BotetourtBank Buchanan, VA79 out of 100, Strong$939.4M11.0%0.25%vs