Beach Municipal Federal Credit Union Virginia Beach, Virginia
Beach Municipal Federal Credit Union is a federal credit union headquartered in Virginia Beach, VA, established in 1970 (NCUA charter 20394), and it is regulated and insured by the NCUA. At Q2 2026 it reported 8,997 members and total assets of $194.7M (up 8.9% from Q2 2025), the 36th largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 14.13% at Q2 2026, in the well capitalized band.
Also written as Beach Municipal FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 20394
- Headquarters
- Virginia Beach, VA
- Established
- 1970
- Total assets, Q2 2026
- $194.7M
- Assets vs Q2 2025
- +8.9%
- Members, Q2 2026
- 8,997
- Net worth ratio, Q2 2026
- 14.13%
- Latest call report
- Q2 2026, NCUA 5300 · Beach Municipal Federal Credit Union call report
- Asset rank in state
- 36th of 94 in Virginia
- Routing number
- 251483256
- Branches
- 2
It has 26 more members than on June 30, 2025 (+0.3%). Its net worth ratio was up 0.33 percentage points from 13.80% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $33.8M of $94.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.78% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 14.13% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Virginia
Frequently asked about Beach Municipal Federal Credit Union
How big is Beach Municipal Federal Credit Union?
At Q2 2026 it reported total assets of $194.7M and 8,997 members.
Where is Beach Municipal Federal Credit Union headquartered?
It is headquartered in Virginia Beach, VA, United States.
When was Beach Municipal Federal Credit Union founded?
It was established in 1970, per NCUA records.
Is Beach Municipal Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 20394): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Beach Municipal Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Beach Municipal Federal Credit Union well capitalized?
Its net worth ratio was 14.13% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Beach Municipal Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.78% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Beach Municipal Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 56.28% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Virginia Beach, VA 23452
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1970
- NCUA Charter #
- 20394
- RSSD ID
- 74186
- Members
- 8,997
- Potential members
- 33,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 14.13% | 11.43% | 78th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.64% | 0.81% | 89th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 11.61% | 7.02% | 84th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.57% | 3.70% | 42nd below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 60.21% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.05% | 1.24% | 65th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.78% | 0.68% | 45th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.62% | 4.92% | 31st position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 56.28% | 75.66% | 18th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$194.7M total assets against $178.7M; $167.6M total shares and deposits against $154.2M; $94.3M total loans against $95.1M.
$27.5M net worth against $24.7M.
14.13% net worth ratio against 13.80%.
56.28% loan-to-share ratio against 61.67%.
0.78% delinquency ratio against 0.81%.
1.64% return on assets against 1.55%; 11.61% return on equity against 11.23%.
3.57% net interest margin against 3.58%.
8,997 members against 8,971.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.13% | 1.64% | 0.78% | 56.28% |
| March 31, 2026 | 13.73% | 1.56% | 0.99% | 56.20% |
| December 31, 2025 | 13.79% | 1.35% | 0.97% | 58.25% |
| September 30, 2025 | 13.74% | 1.42% | 0.89% | 59.44% |
| June 30, 2025 | 13.80% | 1.55% | 0.81% | 61.67% |
| March 31, 2025 | 13.65% | 1.26% | 0.68% | 61.46% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.