TellerScore

Virginia Educators Credit Union is a federally insured state-chartered credit union headquartered in Newport News, Virginia, in business for about 72 years. At the end of Q2 2026 it reported $76.3M in total assets and $57.3M in member shares and deposits, with 2 offices.

Virginia Educators Credit Union has a TellerScore of 96 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 3rd. Capital cushion contributes the most (100/100, 24.16%); loan quality contributes the least (86/100, 0.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 24.16%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.43%
Earnings97/100
Return on assets (annualized): 1.92%
Funding & liquidity100/100
Loans ÷ shares: 13.0% · 3.4% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.18%

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 (96 → 96).

TellerScore
919598Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202491
Q4 202493
Q1 202598
Q2 202596
Q3 202595
Q4 202596
Q1 202691
Q2 202696
Net worth ratio
7.00%15.58%24.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.19%
Q3 202420.11%
Q4 202421.27%
Q1 202521.21%
Q2 202522.27%
Q3 202522.99%
Q4 202523.51%
Q1 202623.49%
Q2 202624.16%
Delinquent loans (60+ days)
0.29%0.66%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.71%
Q3 20241.03%
Q4 20240.86%
Q1 20250.29%
Q2 20250.44%
Q3 20250.55%
Q4 20250.53%
Q1 20260.87%
Q2 20260.43%
Return on assets
1.85%2.61%3.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.27%
Q3 20243.33%
Q4 20243.37%
Q1 20252.43%
Q2 20252.65%
Q3 20252.69%
Q4 20252.67%
Q1 20261.85%
Q2 20261.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202696$76.3M24.16%0.43%1.92%13.0%
Q1 202691$76.9M23.49%0.87%1.85%12.7%
Q4 202596$75.3M23.51%0.53%2.67%13.8%
Q3 202595$74.8M22.99%0.55%2.69%13.7%
Q2 202596$74.9M22.27%0.44%2.65%14.0%
Q1 202598$76.2M21.21%0.29%2.43%13.4%
Q4 202493$73.8M21.27%0.86%3.37%14.4%
Q3 202491$75.0M20.11%1.03%3.33%14.2%
Q2 202494$75.3M19.19%0.71%3.27%13.4%

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 ratio24.16%
87th
Problem loans0.43%
61st
Net charge-offs0.21%
46th
Return on assets1.92%
93rd
Loans to deposits13.0%
98th
Uninsured deposits3.4%
32nd
Loan-loss reserves0.00%
37th
Texas ratio0.2%
82nd

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Kemba Roanoke Federal Credit UnionCredit union Salem, VA82 out of 100, Strong$76.7M16.4%0.74%vs
Northern Star Credit Union, Inc.Credit union Portsmouth, VA85 out of 100, Very strong$73.7M16.8%0.32%vs
Rva Financial Federal Credit UnionCredit union Richmond, VA76 out of 100, Strong$82.7M12.2%1.42%vs
Pwc Employees Federal Credit UnionCredit union Woodbridge, VA75 out of 100, Strong$86.3M14.0%1.27%vs
Front Royal Federal Credit UnionCredit union Front Royal, VA97 out of 100, Very strong$87.4M16.9%0.14%vs
Credit Union of Richmond IncorporatCredit union Richmond, VA87 out of 100, Very strong$64.6M18.5%0.69%vs

Deposit insurance

Is my money safe at Virginia Educators Credit Union?

Yes. Virginia Educators Credit Union is a federally insured credit union (NCUA charter #66700). 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 3.4% of shares and deposits ($2.0M) 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 24.16%, 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

Virginia Educators Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Virginia Educators Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66700
RSSD ID
985992
Primary regulator
State + NCUA
Established
1954
Headquarters
12626 Nettles Dr, Newport News, VA 23606
Employees
11

Quick answers

Virginia Educators Credit Union: common questions

Is Virginia Educators Credit Union NCUA insured?

Yes. Virginia Educators Credit Union is a federally insured credit union (NCUA charter #66700). 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 Virginia Educators Credit Union's TellerScore?

96 out of 100 (Very 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 Virginia Educators Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Newport News

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of Southside VirginiaBank Carson, VA97 out of 100, Very strong$670.3M23.4%0.08%vs
Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA93 out of 100, Very strong$26.8M20.1%0.41%vs
1st Advantage Federal Credit UnionCredit union Newport News, VA90 out of 100, Very strong$1.1B16.7%0.45%vs
Northern Star Credit Union, Inc.Credit union Portsmouth, VA85 out of 100, Very strong$73.7M16.8%0.32%vs
Ibew Local Union 80 Federal Credit UnionCredit union Norfolk, VA84 out of 100, Strong$1.8M13.3%0.57%vs
Pfd Firefighters Credit Union Inc.Credit union Portsmouth, VA82 out of 100, Strong$34.4M14.9%0.07%vs