Virginia United Methodist Credit Union is a federally insured state-chartered credit union headquartered in North Chesterfi, Virginia, in business for about 74 years. At the end of Q2 2026 it reported $15.0M in total assets and $13.5M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Virginia United Methodist Credit Union scores 30/100, which we describe as low. That is higher than only 1% of 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 94th. Its strongest component is funding & liquidity (63/100; 98% loans-to-deposits, 6% uninsured), and its lowest is problem-loan coverage (0/100; 51.2%).
TellerScore · Q2 2026
Scorecard
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 (29 → 30).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 45 |
| Q3 2024 | 38 |
| Q4 2024 | 32 |
| Q1 2025 | 30 |
| Q2 2025 | 29 |
| Q3 2025 | 30 |
| Q4 2025 | 31 |
| Q1 2026 | 30 |
| Q2 2026 | 30 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.56% |
| Q3 2024 | 8.85% |
| Q4 2024 | 8.57% |
| Q1 2025 | 8.14% |
| Q2 2025 | 8.91% |
| Q3 2025 | 9.39% |
| Q4 2025 | 9.68% |
| Q1 2026 | 9.19% |
| Q2 2026 | 10.18% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.74% |
| Q3 2024 | 2.45% |
| Q4 2024 | 3.40% |
| Q1 2025 | 3.31% |
| Q2 2025 | 3.87% |
| Q3 2025 | 4.63% |
| Q4 2025 | 4.17% |
| Q1 2026 | 4.59% |
| Q2 2026 | 5.95% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.09% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 30 | $15.0M | 10.18% | 5.95% | 0.10% | 97.6% |
| Q1 2026 | 30 | $16.6M | 9.19% | 4.59% | 0.08% | 89.6% |
| Q4 2025 | 31 | $15.7M | 9.68% | 4.17% | 0.09% | 95.9% |
| Q3 2025 | 30 | $16.2M | 9.39% | 4.63% | 0.09% | 94.3% |
| Q2 2025 | 29 | $17.0M | 8.91% | 3.87% | 0.09% | 91.4% |
| Q1 2025 | 30 | $18.6M | 8.14% | 3.31% | 0.09% | 77.9% |
| Q4 2024 | 32 | $17.6M | 8.57% | 3.40% | 0.07% | 80.7% |
| Q3 2024 | 38 | $17.0M | 8.85% | 2.45% | 0.07% | 81.7% |
| Q2 2024 | 45 | $17.5M | 8.56% | 1.74% | 0.07% | 77.6% |
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).
Similar-size credit unions in Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Augusta Health Care Credit UnionCredit union Fishersville, VA | 90 out of 100, Very strong | $15.2M | 21.1% | 0.61% | vs |
| Virginia State University Federal Credit UnionCredit union South Chesterfi, VA | 52 out of 100, Below average | $13.0M | 9.2% | 1.93% | vs |
| Metropolitan Church Federal Credit UnionCredit union Suffolk, VA | 53 out of 100, Below average | $12.7M | 26.9% | 8.12% | vs |
| Richmond Heritage Federal Credit UnionCredit union Richmond, VA | 78 out of 100, Strong | $10.6M | 37.1% | 0.30% | vs |
| VA Beach Postal Federal Credit UnionCredit union Virginia Beach, VA | 80 out of 100, Strong | $10.0M | 13.0% | 0.50% | vs |
| Midway Federal Credit UnionCredit union Berryville, VA | 85 out of 100, Very strong | $9.7M | 23.6% | 0.00% | vs |
Deposit insurance
Is my money safe at Virginia United Methodist Credit Union?
Yes. Virginia United Methodist Credit Union is a federally insured credit union (NCUA charter #62536). 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 5.7% of shares and deposits ($765K) 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 10.18%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Virginia United Methodist Credit Union lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Virginia United Methodist Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62536
- RSSD ID
- 622596
- Primary regulator
- State + NCUA
- Established
- 1952
- Headquarters
- P.O. Box 13680, North Chesterfi, VA 23225
- Employees
- 8
Quick answers
Virginia United Methodist Credit Union: common questions
Is Virginia United Methodist Credit Union NCUA insured?
Yes. Virginia United Methodist Credit Union is a federally insured credit union (NCUA charter #62536). 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 United Methodist Credit Union's TellerScore?
30 out of 100 (Low), 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 United Methodist Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near North Chesterfi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Bank and Trust CompanyBank Blackstone, VA | 97 out of 100, Very strong | $577.6M | 15.4% | 0.23% | vs |
| The Bank of Southside VirginiaBank Carson, VA | 97 out of 100, Very strong | $670.3M | 23.4% | 0.08% | vs |
| 1st Advantage Federal Credit UnionCredit union Newport News, VA | 90 out of 100, Very strong | $1.1B | 16.7% | 0.45% | vs |
| Richmond Virginia Fire Police Credi Credit UnionCredit union Richmond, VA | 88 out of 100, Very strong | $21.2M | 15.4% | 0.55% | vs |
| Credit Union of Richmond IncorporatCredit union Richmond, VA | 87 out of 100, Very strong | $64.6M | 18.5% | 0.69% | vs |
| Dominion Energy Credit UnionCredit union North Chesterfi, VA | 84 out of 100, Strong | $336.4M | 14.3% | 0.43% | vs |