TellerScore

Headquartered in South Chesterfi, Virginia, Virginia State University Federal Credit Union is a federal credit union with $13.0M in total assets and $11.7M in member shares and deposits as of Q2 2026. Its charter dates back to 1939.

Based on its Q2 2026 filing, Virginia State University Federal Credit Union scores 52/100, which we describe as below average. That is higher than only 11% of 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 80th. Its strongest component is funding & liquidity (93/100; 67% loans-to-deposits, 2% uninsured), and its lowest is loan quality (36/100; 1.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Net worth ratio: 9.16%
Loan quality36/100
Loans 60+ days delinquent ÷ total loans: 1.93%
Earnings46/100
Return on assets (annualized): 0.64%
Funding & liquidity93/100
Loans ÷ shares: 67.4% · 1.6% uninsured
Problem-loan coverage74/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.76%

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 fell 9 points (61 → 52), mostly because the loan quality component weakened by 32 points.

TellerScore
334964Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202448
Q3 202453
Q4 202438
Q1 202533
Q2 202561
Q3 202564
Q4 202555
Q1 202644
Q2 202652
Net worth ratio
7.00%8.08%9.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.15%
Q3 20248.68%
Q4 20248.33%
Q1 20257.54%
Q2 20258.30%
Q3 20258.60%
Q4 20258.88%
Q1 20268.42%
Q2 20269.16%
Delinquent loans (60+ days)
0.75%1.68%2.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.79%
Q3 20241.95%
Q4 20242.60%
Q1 20252.33%
Q2 20250.97%
Q3 20250.75%
Q4 20251.68%
Q1 20261.87%
Q2 20261.93%
Return on assets
-0.73%0.18%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.55%
Q3 20241.09%
Q4 20240.27%
Q1 2025-0.73%
Q2 20250.97%
Q3 20250.99%
Q4 20250.93%
Q1 2026-0.16%
Q2 20260.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$13.0M9.16%1.93%0.64%67.4%
Q1 202644$13.6M8.42%1.87%-0.16%64.0%
Q4 202555$12.9M8.88%1.68%0.93%69.9%
Q3 202564$13.1M8.60%0.75%0.99%67.9%
Q2 202561$13.2M8.30%0.97%0.97%66.7%
Q1 202533$13.3M7.54%2.33%-0.73%67.1%
Q4 202438$12.4M8.33%2.60%0.27%73.4%
Q3 202453$12.7M8.68%1.95%1.09%73.6%
Q2 202448$12.7M8.15%1.79%0.55%72.5%

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 ratio9.16%
10th
Problem loans1.93%
22nd
Net charge-offs-0.02%
89th
Return on assets0.64%
49th
Loans to deposits67.4%
37th
Uninsured deposits1.6%
48th
Loan-loss reserves0.00%
37th
Texas ratio12.8%
9th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Metropolitan Church Federal Credit UnionCredit union Suffolk, VA53 out of 100, Below average$12.7M26.9%8.12%vs
Virginia United Methodist Credit UnionCredit union North Chesterfi, VA30 out of 100, Low$15.0M10.2%5.95%vs
Augusta Health Care Credit UnionCredit union Fishersville, VA90 out of 100, Very strong$15.2M21.1%0.61%vs
Richmond Heritage Federal Credit UnionCredit union Richmond, VA78 out of 100, Strong$10.6M37.1%0.30%vs
VA Beach Postal Federal Credit UnionCredit union Virginia Beach, VA80 out of 100, Strong$10.0M13.0%0.50%vs
Midway Federal Credit UnionCredit union Berryville, VA85 out of 100, Very strong$9.7M23.6%0.00%vs

Deposit insurance

Is my money safe at Virginia State University Federal Credit Union?

Yes. Virginia State University Federal Credit Union is a federally insured credit union (NCUA charter #3029). 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 1.6% of shares and deposits ($193K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.16%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Virginia State University Federal Credit Union
Type
Federal credit union
NCUA charter #
3029
RSSD ID
1001077
Primary regulator
NCUA
Established
1939
Headquarters
3401 Boisseau St, South Chesterfi, VA 23803
Employees
7

Quick answers

Virginia State University Federal Credit Union: common questions

Is Virginia State University Federal Credit Union NCUA insured?

Yes. Virginia State University Federal Credit Union is a federally insured credit union (NCUA charter #3029). 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 State University Federal Credit Union's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.