TellerScore

Headquartered in Salem, Virginia, Salem VA Medical Center Federal Credit Union is a federal credit union with $93.5M in total assets and $77.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1936.

Salem VA Medical Center Federal Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 25th. Problem-loan coverage contributes the most (98/100, 0.8%); earnings contributes the least (49/100, 0.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Net worth ratio: 13.02%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.16%
Earnings49/100
Return on assets (annualized): 0.71%
Funding & liquidity84/100
Loans ÷ shares: 76.2% · 1.2% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.79%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).

TellerScore
757982Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202479
Q4 202482
Q1 202575
Q2 202579
Q3 202581
Q4 202582
Q1 202678
Q2 202680
Net worth ratio
7.00%10.01%13.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.25%
Q3 202411.71%
Q4 202411.92%
Q1 202511.74%
Q2 202512.10%
Q3 202512.53%
Q4 202512.56%
Q1 202612.55%
Q2 202613.02%
Delinquent loans (60+ days)
0.09%0.30%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.50%
Q4 20240.28%
Q1 20250.45%
Q2 20250.34%
Q3 20250.22%
Q4 20250.09%
Q1 20260.26%
Q2 20260.16%
Return on assets
0.67%1.14%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.61%
Q3 20241.54%
Q4 20241.47%
Q1 20250.85%
Q2 20250.95%
Q3 20250.97%
Q4 20250.91%
Q1 20260.67%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$93.5M13.02%0.16%0.71%76.2%
Q1 202678$95.6M12.55%0.26%0.67%70.1%
Q4 202582$94.3M12.56%0.09%0.91%67.9%
Q3 202581$93.0M12.53%0.22%0.97%69.0%
Q2 202579$94.4M12.10%0.34%0.95%69.6%
Q1 202575$95.2M11.74%0.45%0.85%69.9%
Q4 202482$92.1M11.92%0.28%1.47%74.5%
Q3 202479$91.1M11.71%0.50%1.54%79.1%
Q2 202480$92.1M11.25%0.30%1.61%79.7%

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).

Capital ratio13.02%
40th
Problem loans0.16%
76th
Net charge-offs0.01%
68th
Return on assets0.71%
54th
Loans to deposits76.2%
24th
Uninsured deposits1.2%
51st
Loan-loss reserves0.00%
37th
Texas ratio0.8%
70th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Baylands Family Credit UnionCredit union West Point, VA58 out of 100, Moderate$95.0M9.6%1.74%vs
Connects Federal Credit UnionCredit union Richmond, VA27 out of 100, Low$98.1M5.4%1.85%vs
Front Royal Federal Credit UnionCredit union Front Royal, VA97 out of 100, Very strong$87.4M16.9%0.14%vs
Pwc Employees Federal Credit UnionCredit union Woodbridge, VA75 out of 100, Strong$86.3M14.0%1.27%vs
Rva Financial Federal Credit UnionCredit union Richmond, VA76 out of 100, Strong$82.7M12.2%1.42%vs
Kemba Roanoke Federal Credit UnionCredit union Salem, VA82 out of 100, Strong$76.7M16.4%0.74%vs

Deposit insurance

Is my money safe at Salem VA Medical Center Federal Credit Union?

Yes. Salem VA Medical Center Federal Credit Union is a federally insured credit union (NCUA charter #1127). 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 1.2% of shares and deposits ($958K) 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 13.02%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Salem VA Medical Center Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Salem VA Medical Center Federal Credit Union
Type
Federal credit union
NCUA charter #
1127
RSSD ID
1012176
Primary regulator
NCUA
Established
1936
Headquarters
112 W Main St, Salem, VA 24153
Employees
25

Quick answers

Salem VA Medical Center Federal Credit Union: common questions

Is Salem VA Medical Center Federal Credit Union NCUA insured?

Yes. Salem VA Medical Center Federal Credit Union is a federally insured credit union (NCUA charter #1127). 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 Salem VA Medical Center Federal Credit Union's TellerScore?

80 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 Salem VA Medical Center Federal Credit Union have?

2 offices as of the latest NCUA data.