TellerScore

Virginia Federal Credit Union is a federal credit union headquartered in Richmond, Virginia, in business for about 98 years. At the end of Q2 2026 it reported $7.4B in total assets and $6.4B in member shares and deposits, with 38 offices.

Virginia Federal Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 27% of its 454 credit unions with $1 billion – $10 billion. Among 95 credit unions headquartered in Virginia, it ranks 64th. Problem-loan coverage contributes the most (86/100, 7.1%); earnings contributes the least (35/100, 0.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.90%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.05%
Earnings35/100
Return on assets (annualized): 0.38%
Funding & liquidity77/100
Loans ÷ shares: 83.5% · 5.2% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.09%

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.

8 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (64 → 61), mostly because the earnings component weakened by 13 points.

TellerScore
566165Q3 2024Q1 2025Q3 2025Q1 2026Q2 2026
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QuarterTellerScore
Q3 202464
Q4 202456
Q1 202565
Q2 202564
Q3 202565
Q4 202564
Q1 202664
Q2 202661
Net worth ratio
7.00%9.76%12.52%well-capitalized benchmarkQ3 2024Q1 2025Q3 2025Q1 2026Q2 2026
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QuarterNet worth ratio
Q3 202412.52%
Q4 20249.83%
Q1 202511.30%
Q2 202510.82%
Q3 202510.97%
Q4 202510.98%
Q1 202611.34%
Q2 202610.90%
Delinquent loans (60+ days)
0.90%0.98%1.07%Q3 2024Q1 2025Q3 2025Q1 2026Q2 2026
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QuarterDelinquent loans (60+ days)
Q3 20240.96%
Q4 20241.04%
Q1 20250.90%
Q2 20250.96%
Q3 20250.97%
Q4 20251.07%
Q1 20260.90%
Q2 20261.05%
Return on assets
0.14%0.46%0.78%Q3 2024Q1 2025Q3 2025Q1 2026Q2 2026
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QuarterReturn on assets
Q3 20240.14%
Q4 20240.34%
Q1 20250.56%
Q2 20250.70%
Q3 20250.76%
Q4 20250.78%
Q1 20260.43%
Q2 20260.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$7.4B10.90%1.05%0.38%83.5%
Q1 202664$7.4B11.34%0.90%0.43%83.1%
Q4 202564$7.2B10.98%1.07%0.78%84.4%
Q3 202565$7.1B10.97%0.97%0.76%85.0%
Q2 202564$7.0B10.82%0.96%0.70%86.8%
Q1 202565$7.0B11.30%0.90%0.56%86.1%
Q4 202456$6.9B9.83%1.04%0.34%88.6%
Q3 202464$6.9B12.52%0.96%0.14%90.0%

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 ratio10.90%
50th
Problem loans1.05%
25th
Net charge-offs0.73%
28th
Return on assets0.38%
15th
Loans to deposits83.5%
63rd
Uninsured deposits5.2%
87th
Loan-loss reserves0.00%
50th
Texas ratio7.1%
28th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Apple Federal Credit UnionCredit union Fairfax, VA76 out of 100, Strong$5.7B10.9%0.56%vs
Langley Federal Credit UnionCredit union Newport News, VA54 out of 100, Below average$5.6B9.3%1.32%vs
Northwest Federal Credit UnionCredit union Herndon, VA69 out of 100, Moderate$4.6B11.8%0.39%vs
Chartway Federal Credit UnionCredit union Virginia Beach, VA50 out of 100, Below average$3.2B8.4%1.15%vs
State Department Federal Credit UnionCredit union Alexandria, VA65 out of 100, Moderate$2.9B10.8%0.86%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 Virginia Federal Credit Union?

Yes. Virginia Federal Credit Union is a federally insured credit union (NCUA charter #24962). 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 5.2% of shares and deposits ($331.7M) 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 10.90%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

38 locations

Branches

Virginia Federal Credit Union lists 38 offices in 21 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Virginia Federal Credit Union
Type
Federal credit union
NCUA charter #
24962
RSSD ID
807795
Primary regulator
NCUA
Established
1928
Headquarters
P.O. Box 90010, Richmond, VA 23225
Employees
1,075

Quick answers

Virginia Federal Credit Union: common questions

Is Virginia Federal Credit Union NCUA insured?

Yes. Virginia Federal Credit Union is a federally insured credit union (NCUA charter #24962). 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 Federal Credit Union's TellerScore?

61 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 Virginia Federal Credit Union have?

38 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Richmond

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Bank and Trust CompanyBank Blackstone, VA97 out of 100, Very strong$577.6M15.4%0.23%vs
The Bank of Southside VirginiaBank Carson, VA97 out of 100, Very strong$670.3M23.4%0.08%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