Bristol Virginia School System Federal Credit Union Bristol, Virginia
Bristol Virginia School System Federal Credit Union is a federal credit union headquartered in Bristol, VA, established in 1957 (NCUA charter 11567), and it is regulated and insured by the NCUA. At Q2 2026 it reported 130 members and total assets of $210K (down 8.2% from Q2 2025), the 94th largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 20.47% at Q2 2026, in the well capitalized band.
Also written as Bristol Virginia School System FCU
BankRegReports is independent of Bristol Virginia School System Federal Credit Union and never asks for online banking logins or passwords.
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
- 11567
- Headquarters
- Bristol, VA
- Established
- 1957
- Total assets, Q2 2026
- $210K
- Assets vs Q2 2025
- -8.2%
- Members, Q2 2026
- 130
- Net worth ratio, Q2 2026
- 20.47%
- Latest call report
- Q2 2026, NCUA 5300 · Bristol Virginia School System Federal Credit Union call report
- Asset rank in state
- 94th of 94 in Virginia
- Routing number
- 251480039
- Branches
- 1
It had the same number of members on June 30, 2025. Its net worth ratio was up 1.55 percentage points from 18.92% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $41K of $41K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 8.82% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 20.47% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Virginia
Frequently asked about Bristol Virginia School System Federal Credit Union
How big is Bristol Virginia School System Federal Credit Union?
At Q2 2026 it reported total assets of $210K and 130 members.
Where is Bristol Virginia School System Federal Credit Union headquartered?
It is headquartered in Bristol, VA, United States.
When was Bristol Virginia School System Federal Credit Union founded?
It was established in 1957, per NCUA records.
Is Bristol Virginia School System Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 11567): 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 Bristol Virginia School System Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Bristol Virginia School System Federal Credit Union well capitalized?
Its net worth ratio was 20.47% 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 Bristol Virginia School System Federal Credit Union's delinquency ratio?
Its delinquency ratio was 8.82% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Bristol Virginia School System Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 24.38% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bristol, VA 24201
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1957
- NCUA Charter #
- 11567
- RSSD ID
- 658782
- Members
- 130
- Potential members
- 385
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 20.47% | 14.31% | 78th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -2.81% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -13.75% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.03% | 3.93% | 54th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 167.92% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.21% | 0.78% | 86th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 8.82% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.23% | 4.70% | 26th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 24.38% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$210K total assets against $229K; $167K total shares and deposits against $185K; $41K total loans against $47K.
$43K net worth against $43K.
20.47% net worth ratio against 18.92%.
24.38% loan-to-share ratio against 25.13%.
8.82% delinquency ratio against 10.87%.
-2.81% return on assets against -1.85%; -13.75% return on equity against -9.79%.
4.03% net interest margin against 2.94%.
130 members against 130.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 20.47% | -2.81% | 8.82% | 24.38% |
| March 31, 2026 | 19.27% | -0.62% | 9.41% | 23.54% |
| December 31, 2025 | 21.10% | 0.33% | 8.18% | 30.99% |
| September 30, 2025 | 21.16% | 2.61% | 10.79% | 26.72% |
| June 30, 2025 | 18.92% | -1.85% | 10.87% | 25.13% |
| March 31, 2025 | 19.20% | -1.97% | 6.01% | 24.87% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.