TellerScore

Vantage Point Federal Credit Union is a federal credit union headquartered in Hopewell, Virginia, in business for about 60 years. At the end of Q2 2026 it reported $45.0M in total assets and $37.2M in member shares and deposits, with 1 office.

Vantage Point Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 43rd. Capital cushion contributes the most (100/100, 16.68%); loan quality contributes the least (27/100, 2.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.68%
Loan quality27/100
Loans 60+ days delinquent ÷ total loans: 2.20%
Earnings50/100
Return on assets (annualized): 0.76%
Funding & liquidity100/100
Loans ÷ shares: 41.8% · 5.0% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.11%

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 8 points (63 → 71), mostly because the earnings component improved by 20 points.

TellerScore
596571Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202467
Q4 202460
Q1 202559
Q2 202563
Q3 202560
Q4 202570
Q1 202671
Q2 202671
Net worth ratio
7.00%12.11%17.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.87%
Q3 202416.90%
Q4 202417.22%
Q1 202516.70%
Q2 202516.98%
Q3 202516.91%
Q4 202516.92%
Q1 202616.64%
Q2 202616.68%
Delinquent loans (60+ days)
1.82%2.72%3.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.41%
Q3 20242.17%
Q4 20243.63%
Q1 20253.11%
Q2 20252.67%
Q3 20253.08%
Q4 20251.82%
Q1 20262.26%
Q2 20262.20%
Return on assets
0.16%0.51%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.23%
Q4 20240.36%
Q1 20250.23%
Q2 20250.26%
Q3 20250.33%
Q4 20250.31%
Q1 20260.87%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$45.0M16.68%2.20%0.76%41.8%
Q1 202671$44.6M16.64%2.26%0.87%42.1%
Q4 202570$43.3M16.92%1.82%0.31%44.5%
Q3 202560$43.2M16.91%3.08%0.33%45.9%
Q2 202563$42.7M16.98%2.67%0.26%47.7%
Q1 202559$43.2M16.70%3.11%0.23%47.9%
Q4 202460$41.8M17.22%3.63%0.36%50.8%
Q3 202467$42.1M16.90%2.17%0.23%51.4%
Q2 202464$42.0M16.87%2.41%0.16%52.4%

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 ratio16.68%
64th
Problem loans2.20%
19th
Net charge-offs0.71%
20th
Return on assets0.76%
56th
Loans to deposits41.8%
76th
Uninsured deposits5.0%
21st
Loan-loss reserves0.00%
37th
Texas ratio5.1%
29th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Hampton Roads Educ Credit Union IncCredit union Hampton, VA58 out of 100, Moderate$46.9M8.4%1.00%vs
Patent and Trademark Office Federal Credit UnionCredit union Alexandria, VA39 out of 100, Low$40.1M7.1%2.59%vs
First Nrv Federal Credit UnionCredit union Radford, VA52 out of 100, Below average$38.7M9.3%2.09%vs
Newport News Mun. Emp Credit UnionCredit union Newport News, VA64 out of 100, Moderate$54.4M10.3%1.64%vs
Pfd Firefighters Credit Union Inc.Credit union Portsmouth, VA82 out of 100, Strong$34.4M14.9%0.07%vs
Hopewell Chemical Federal Credit UnionCredit union Hopewell, VA73 out of 100, Strong$55.6M10.8%0.31%vs

Deposit insurance

Is my money safe at Vantage Point Federal Credit Union?

Yes. Vantage Point Federal Credit Union is a federally insured credit union (NCUA charter #17630). 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 5.0% of shares and deposits ($1.9M) 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 16.68%, 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

Vantage Point Federal Credit Union lists 1 office in 1 city. Most locations:

  • Hopewell, VA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Vantage Point Federal Credit Union
Type
Federal credit union
NCUA charter #
17630
RSSD ID
455383
Primary regulator
NCUA
Established
1966
Headquarters
P.O. Box 727, Hopewell, VA 23860
Employees
10

Quick answers

Vantage Point Federal Credit Union: common questions

Is Vantage Point Federal Credit Union NCUA insured?

Yes. Vantage Point Federal Credit Union is a federally insured credit union (NCUA charter #17630). 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 Vantage Point Federal Credit Union's TellerScore?

71 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 Vantage Point Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hopewell

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of Southside VirginiaBank Carson, VA97 out of 100, Very strong$670.3M23.4%0.08%vs
Citizens Bank and Trust CompanyBank Blackstone, VA97 out of 100, Very strong$577.6M15.4%0.23%vs
1st Advantage Federal Credit UnionCredit union Newport News, VA90 out of 100, Very strong$1.1B16.7%0.45%vs
Richmond Virginia Fire Police Credi Credit UnionCredit union Richmond, VA88 out of 100, Very strong$21.2M15.4%0.55%vs
Credit Union of Richmond IncorporatCredit union Richmond, VA87 out of 100, Very strong$64.6M18.5%0.69%vs
Dominion Energy Credit UnionCredit union North Chesterfi, VA84 out of 100, Strong$336.4M14.3%0.43%vs