TellerScore

Headquartered in Charlottesville, Virginia, University of VA Community Credit Union is a federally insured state-chartered credit union with $1.6B in total assets and $1.4B in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1954.

University of VA Community Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than 54% of its 454 credit unions with $1 billion – $10 billion. Among 95 credit unions headquartered in Virginia, it ranks 47th. Problem-loan coverage contributes the most (92/100, 4.1%); earnings contributes the least (51/100, 0.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.44%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.57%
Earnings51/100
Return on assets (annualized): 0.77%
Funding & liquidity88/100
Loans ÷ shares: 72.5% · 6.8% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.08%

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 2 points (67 → 69), mostly because the earnings component improved by 12 points.

TellerScore
667073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202470
Q4 202470
Q1 202568
Q2 202567
Q3 202568
Q4 202568
Q1 202666
Q2 202669
Net worth ratio
7.00%8.72%10.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.14%
Q3 202410.18%
Q4 202410.17%
Q1 202510.15%
Q2 202510.17%
Q3 202510.24%
Q4 202510.27%
Q1 202610.30%
Q2 202610.44%
Delinquent loans (60+ days)
0.43%0.68%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.72%
Q3 20240.94%
Q4 20240.75%
Q1 20250.43%
Q2 20250.51%
Q3 20250.52%
Q4 20250.61%
Q1 20260.68%
Q2 20260.57%
Return on assets
0.42%0.91%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.41%
Q3 20241.20%
Q4 20241.00%
Q1 20250.42%
Q2 20250.49%
Q3 20250.57%
Q4 20250.61%
Q1 20260.58%
Q2 20260.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$1.6B10.44%0.57%0.77%72.5%
Q1 202666$1.6B10.30%0.68%0.58%69.8%
Q4 202568$1.6B10.27%0.61%0.61%69.9%
Q3 202568$1.6B10.24%0.52%0.57%69.9%
Q2 202567$1.6B10.17%0.51%0.49%68.2%
Q1 202568$1.6B10.15%0.43%0.42%64.0%
Q4 202470$1.5B10.17%0.75%1.00%66.1%
Q3 202470$1.5B10.18%0.94%1.20%65.1%
Q2 202473$1.5B10.14%0.72%1.41%64.6%

454 peers · $1 billion – $10 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 ratio10.44%
39th
Problem loans0.57%
63rd
Net charge-offs0.44%
58th
Return on assets0.77%
46th
Loans to deposits72.5%
83rd
Uninsured deposits6.8%
74th
Loan-loss reserves0.00%
50th
Texas ratio4.1%
59th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
United States Senate Federal Credit UnionCredit union Alexandria, VA45 out of 100, Below average$1.5B7.9%1.63%vs
Freedom First Federal Credit UnionCredit union Roanoke, VA64 out of 100, Moderate$1.3B10.9%0.48%vs
Justice Federal Credit UnionCredit union Chantilly, VA65 out of 100, Moderate$1.1B12.1%1.28%vs
Dupont Community Credit UnionCredit union Waynesboro, VA76 out of 100, Strong$2.1B10.9%0.33%vs
1st Advantage Federal Credit UnionCredit union Newport News, VA90 out of 100, Very strong$1.1B16.7%0.45%vs
Bayport Federal Credit UnionCredit union Newport News, VA69 out of 100, Moderate$2.8B11.3%0.71%vs

Deposit insurance

Is my money safe at University of VA Community Credit Union?

Yes. University of VA Community Credit Union is a federally insured credit union (NCUA charter #62504). 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 6.8% of shares and deposits ($97.1M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.44%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

University of VA Community Credit Union lists 6 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
University of VA Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62504
RSSD ID
681098
Primary regulator
State + NCUA
Established
1954
Headquarters
1201 5th St NW, Charlottesville, VA 22902
Employees
282

Quick answers

University of VA Community Credit Union: common questions

Is University of VA Community Credit Union NCUA insured?

Yes. University of VA Community Credit Union is a federally insured credit union (NCUA charter #62504). 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 University of VA Community Credit Union's TellerScore?

69 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 University of VA Community Credit Union have?

6 offices as of the latest NCUA data.