Headquartered in Norfolk, Virginia, Summit Hampton Roads Federal Credit Union is a federal credit union with $8.2M in total assets and $7.1M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1970.
Summit Hampton Roads Federal Credit Union has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 11% of its 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 81st. Funding & liquidity contributes the most (100/100, 61% loans-to-deposits, 6% uninsured); earnings contributes the least (0/100, -1.19%).
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 fell 18 points (70 → 52), mostly because the loan quality component weakened by 67 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 74 |
| Q4 2024 | 76 |
| Q1 2025 | 78 |
| Q2 2025 | 70 |
| Q3 2025 | 63 |
| Q4 2025 | 69 |
| Q1 2026 | 53 |
| Q2 2026 | 52 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.29% |
| Q3 2024 | 14.61% |
| Q4 2024 | 15.32% |
| Q1 2025 | 15.25% |
| Q2 2025 | 16.17% |
| Q3 2025 | 15.71% |
| Q4 2025 | 15.31% |
| Q1 2026 | 14.24% |
| Q2 2026 | 14.27% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.86% |
| Q3 2025 | 1.86% |
| Q4 2025 | 1.06% |
| Q1 2026 | 2.67% |
| Q2 2026 | 2.89% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.19% |
| Q3 2024 | -0.49% |
| Q4 2024 | -0.44% |
| Q1 2025 | -1.48% |
| Q2 2025 | -0.57% |
| Q3 2025 | -0.33% |
| Q4 2025 | -1.09% |
| Q1 2026 | -2.51% |
| Q2 2026 | -1.19% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $8.2M | 14.27% | 2.89% | -1.19% | 60.6% |
| Q1 2026 | 53 | $8.2M | 14.24% | 2.67% | -2.51% | 62.2% |
| Q4 2025 | 69 | $8.0M | 15.31% | 1.06% | -1.09% | 69.8% |
| Q3 2025 | 63 | $8.2M | 15.71% | 1.86% | -0.33% | 72.6% |
| Q2 2025 | 70 | $8.0M | 16.17% | 0.86% | -0.57% | 77.1% |
| Q1 2025 | 78 | $8.4M | 15.25% | 0.00% | -1.48% | 76.0% |
| Q4 2024 | 76 | $8.6M | 15.32% | 0.17% | -0.44% | 81.4% |
| Q3 2024 | 74 | $9.0M | 14.61% | 0.24% | -0.49% | 79.0% |
| Q2 2024 | 75 | $9.4M | 14.29% | 0.37% | -0.19% | 76.9% |
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 |
|---|---|---|---|---|---|
| Port of Hampton Roads Ila Federal Credit UnionCredit union Norfolk, VA | 67 out of 100, Moderate | $8.4M | 7.7% | 0.00% | vs |
| Mosaic Federal Credit UnionCredit union Harrisonburg, VA | 39 out of 100, Low | $8.8M | 8.4% | 2.21% | vs |
| Halifax County Community Federal Credit UnionCredit union South Boston, VA | 45 out of 100, Below average | $7.1M | 6.2% | 0.97% | vs |
| Midway Federal Credit UnionCredit union Berryville, VA | 85 out of 100, Very strong | $9.7M | 23.6% | 0.00% | vs |
| VA Beach Postal Federal Credit UnionCredit union Virginia Beach, VA | 80 out of 100, Strong | $10.0M | 13.0% | 0.50% | vs |
| Richmond Heritage Federal Credit UnionCredit union Richmond, VA | 78 out of 100, Strong | $10.6M | 37.1% | 0.30% | vs |
Deposit insurance
Is my money safe at Summit Hampton Roads Federal Credit Union?
Yes. Summit Hampton Roads Federal Credit Union is a federally insured credit union (NCUA charter #19973). 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 5.9% of shares and deposits ($421K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 14.27%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Summit Hampton Roads Federal Credit Union lists 3 offices in 2 cities. Most locations:
- Portsmouth, VA (2)
- Falls Church, VA (1)
Identity & history
Profile
- Legal name
- Summit Hampton Roads Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 19973
- RSSD ID
- 465186
- Primary regulator
- NCUA
- Established
- 1970
- Headquarters
- P O Box 9609, Norfolk, VA 23505
- Employees
- 4
Quick answers
Summit Hampton Roads Federal Credit Union: common questions
Is Summit Hampton Roads Federal Credit Union NCUA insured?
Yes. Summit Hampton Roads Federal Credit Union is a federally insured credit union (NCUA charter #19973). 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 Summit Hampton Roads Federal Credit Union's TellerScore?
52 out of 100 (Below average), 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 Summit Hampton Roads Federal Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Norfolk
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of Southside VirginiaBank Carson, VA | 97 out of 100, Very strong | $670.3M | 23.4% | 0.08% | vs |
| Virginia Educators Credit UnionCredit union Newport News, VA | 96 out of 100, Very strong | $76.3M | 24.2% | 0.43% | vs |
| Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA | 93 out of 100, Very strong | $26.8M | 20.1% | 0.41% | vs |
| 1st Advantage Federal Credit UnionCredit union Newport News, VA | 90 out of 100, Very strong | $1.1B | 16.7% | 0.45% | vs |
| Beach Municipal Federal Credit UnionCredit union Virginia Beach, VA | 87 out of 100, Very strong | $194.7M | 14.1% | 0.78% | vs |
| Northern Star Credit Union, Inc.Credit union Portsmouth, VA | 85 out of 100, Very strong | $73.7M | 16.8% | 0.32% | vs |