TellerScore

Topside Federal Credit Union is a federal credit union headquartered in Dahlgren, Virginia, in business for about 65 years. At the end of Q2 2026 it reported $492.1M in total assets and $455.2M in member shares and deposits, with 3 offices.

Topside Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 1,341 credit unions with $100 million – $1 billion. Among 95 credit unions headquartered in Virginia, it ranks 63rd. Funding & liquidity contributes the most (100/100, 59% loans-to-deposits, 8% uninsured); capital cushion contributes the least (38/100, 8.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Net worth ratio: 8.82%
Loan quality62/100
Loans 60+ days delinquent ÷ total loans: 1.14%
Earnings60/100
Return on assets (annualized): 1.01%
Funding & liquidity100/100
Loans ÷ shares: 58.6% · 8.1% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.04%

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 (59 → 63), mostly because the earnings component improved by 18 points.

TellerScore
586163Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202461
Q4 202460
Q1 202558
Q2 202559
Q3 202559
Q4 202560
Q1 202660
Q2 202663
Net worth ratio
7.00%7.91%8.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.65%
Q3 20248.12%
Q4 20248.07%
Q1 20257.88%
Q2 20258.16%
Q3 20258.36%
Q4 20258.38%
Q1 20268.49%
Q2 20268.82%
Delinquent loans (60+ days)
0.58%0.86%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.58%
Q3 20240.75%
Q4 20240.83%
Q1 20250.93%
Q2 20250.97%
Q3 20250.99%
Q4 20250.87%
Q1 20260.97%
Q2 20261.14%
Return on assets
0.51%0.76%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.53%
Q3 20240.79%
Q4 20240.62%
Q1 20250.51%
Q2 20250.56%
Q3 20250.59%
Q4 20250.57%
Q1 20260.61%
Q2 20261.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$492.1M8.82%1.14%1.01%58.6%
Q1 202660$490.9M8.49%0.97%0.61%57.9%
Q4 202560$488.4M8.38%0.87%0.57%58.2%
Q3 202559$481.9M8.36%0.99%0.59%59.6%
Q2 202559$484.8M8.16%0.97%0.56%59.0%
Q1 202558$492.3M7.88%0.93%0.51%59.1%
Q4 202460$473.3M8.07%0.83%0.62%63.2%
Q3 202461$468.6M8.12%0.75%0.79%65.8%
Q2 202460$477.2M7.65%0.58%0.53%67.4%

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 ratio8.82%
11th
Problem loans1.14%
24th
Net charge-offs0.37%
49th
Return on assets1.01%
67th
Loans to deposits58.6%
79th
Uninsured deposits8.1%
29th
Loan-loss reserves0.00%
50th
Texas ratio7.0%
25th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Henrico Federal Credit UnionCredit union Henrico, VA64 out of 100, Moderate$499.7M10.7%1.44%vs
Commonwealth One Federal Credit UnionCredit union Alexandria, VA55 out of 100, Moderate$501.7M8.3%1.29%vs
Valleystar Credit UnionCredit union Martinsville, VA45 out of 100, Below average$503.4M10.3%1.76%vs
Arlington Community Federal Credit UnionCredit union Arlington, VA55 out of 100, Moderate$537.8M8.0%0.44%vs
Spectra Federal Credit UnionCredit union Alexandria, VA45 out of 100, Below average$544.4M8.7%1.85%vs
Call Federal Credit UnionCredit union Glen Allen, VA67 out of 100, Moderate$557.1M10.5%0.60%vs

Deposit insurance

Is my money safe at Topside Federal Credit Union?

Yes. Topside Federal Credit Union is a federally insured credit union (NCUA charter #14754). 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 8.1% of shares and deposits ($36.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.82%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Topside Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Topside Federal Credit Union reported 145 home-loan applications under HMDA (LEI 549300CWXIPLEXBPNY95): 75 originated ($6,715,000 total), 56 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 42.1%, 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.

Identity & history

Profile

Legal name
Topside Federal Credit Union
Type
Federal credit union
NCUA charter #
14754
RSSD ID
734284
Primary regulator
NCUA
Established
1961
Headquarters
Po Box 519, Dahlgren, VA 22448
Employees
117

Quick answers

Topside Federal Credit Union: common questions

Is Topside Federal Credit Union NCUA insured?

Yes. Topside Federal Credit Union is a federally insured credit union (NCUA charter #14754). 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 Topside Federal Credit Union's TellerScore?

63 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 Topside Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Dahlgren

InstitutionScoreAssetsCapitalProblem loansCompare
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs
Citizens and Farmers BankBank West Point, VA75 out of 100, Strong$2.8B11.2%0.09%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
Atlantic Union BankBank Richmond City, VA73 out of 100, Strong$38.0B11.4%0.50%vs
Cedar Point Federal Credit UnionCredit union Lexington Park, MD69 out of 100, Moderate$905.8M9.3%0.45%vs
Educational Systems Federal Credit UnionCredit union Greenbelt, MD69 out of 100, Moderate$1.4B10.8%0.52%vs