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Virginia Credit Union Performance
How the 95 credit unions based in Virginia are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Virginia's 95 credit unions serve 21,330,812 members and hold $285.91B in combined assets. The median Virginia credit union earned a 0.58% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Virginia credit unions was -1.11%, compared with -0.55% nationally. Median one-year asset growth was 1.96%, compared with 2.78% nationally. So far this year, one Virginia credit union has completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Virginia at a glance
Virginia vs. the United States
System totals are the sum of every credit union based in Virginia. The share column is Virginia's portion of the national figure.
| Measure | Virginia | United States | Virginia share |
|---|---|---|---|
| Credit unions | 95 | 4,335 | 2.2% |
| Members | 21,330,812 | 147,031,529 | 14.5% |
| Residents (population) | 8,811,195 | 340,110,988 | 2.6% |
| Total assets | $285.91B | $2,507.50B | 11.4% |
| Total loans | $201.88B | $1,744.86B | 11.6% |
| Total shares & deposits | $243.77B | $2,143.21B | 11.4% |
| Total net worth | $31.80B | $282.23B | 11.3% |
| Mergers year-to-date | 1 | 27 | — |
Membership reach. Virginia credit unions report about 242 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Virginia credit unions serve members in other states, so it overstates true in-state penetration.)
The median Virginia credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Virginia CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.58% | 0.66% |
| Net worth ratio | 11.81% | 12.44% |
| Loan-to-share ratio | 64.11% | 67.86% |
| Delinquency ratio | 0.85% | 0.63% |
| Net charge-off ratio | 0.48% | 0.33% |
| Cost of funds | 1.07% | 1.05% |
| Member growth (1 yr) | -1.11% | -0.55% |
| Asset growth (1 yr) | 1.96% | 2.78% |
| Loan growth (1 yr) | -0.65% | 0.63% |
| Share growth (1 yr) | 1.41% | 2.36% |
| Net worth growth (1 yr) | 4.00% | 5.57% |
Trends over time
The median Virginia credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.56% · 0.72%
— Virginia ‑‑ U.S.
Net worth ratio 12.03% · 12.46%
— Virginia ‑‑ U.S.
Loan-to-share ratio 67.89% · 69.70%
— Virginia ‑‑ U.S.
Delinquency ratio 0.89% · 0.72%
— Virginia ‑‑ U.S.
Asset growth (1 yr) 2.76% · 3.26%
— Virginia ‑‑ U.S.
Member growth (1 yr) -0.83% · -0.52%
— Virginia ‑‑ U.S.
Virginia leaderboards
Largest by assets
- 1 Navy Federal Credit Union $203.56B
- 2 Pentagon Credit Union $29.40B
- 3 Virginia Credit Union, Inc. $7.36B
- 4 Langley Credit Union $5.68B
- 5 Apple Credit Union $5.62B
- 6 Northwest Credit Union $4.55B
- 7 Chartway Credit Union $3.29B
- 8 State Department Credit Union $2.94B
- 9 BayPort Credit Union $2.79B
- 10 DuPont Community Credit Union $2.07B
Highest return on assets
- 1 Peoples Advantage Credit Union 6.76%
- 2 Weccu Credit Union 2.38%
- 3 Apple Credit Union 2.02%
- 4 Virginia Educators Credit Union 1.85%
- 5 Front Royal Credit Union 1.84%
- 6 1st Advantage Credit Union 1.73%
- 7 New Generations Credit Union 1.66%
- 8 Beach Municipal Credit Union 1.64%
- 9 Roanoke Valley Community Credit Union 1.57%
- 10 Navy Federal Credit Union 1.53%
Fastest-growing (organic)
- 1 Connects Credit Union 15.22%
- 2 Beacon Credit Union, Incorporated 14.94%
- 3 Beach Municipal Credit Union 10.84%
- 4 Northwest Credit Union 9.49%
- 5 Argent Credit Union 7.68%
- 6 Henrico Credit Union 7.39%
- 7 DuPont Community Credit Union 7.33%
- 8 Apple Credit Union 7.28%
- 9 New Generations Credit Union 7.23%
- 10 P W C Employees Credit Union 7.16%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Virginia that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.