Credit Union Safety Analysis
Is Central Virginia Federal Credit Union Safe? Lynchburg, Virginia
Based on its Q2 2026 NCUA 5300 call report, Central Virginia Federal Credit Union has a net worth ratio of 12.70%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.59%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Central Virginia Federal Credit Union's net worth ratio is 12.70%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.70%
- Delinquency ratio (60+ days) (Q2 2026): 1.59%
- Return on assets (Q2 2026): 1.42%
- Loan-to-share ratio (Q2 2026): 68.54%
Central Virginia Federal Credit Union (NCUA charter 22307, established 1976) reported $197.8M in assets and 13,062 members for Q2 2026 from Lynchburg, Virginia. It ranks 35 of 94 credit unions in Virginia by total assets. Total assets grew 2.1% from $193.6M on June 30, 2025. It has 32 fewer members than on June 30, 2025 (-0.2%). Its net worth ratio was up 1.24 percentage points from 11.46% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $53.8M of $117.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.59% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.41% for Q1 2026; 11.46% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.22% for Q1 2026; 1.76% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.31% for Q1 2026; 1.76% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 67.58% for Q1 2026; 69.22% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $53.8M
- Used vehicle loans: $28.5M
- Non-federally guaranteed student loans: $11.8M
- New vehicle loans: $7.3M
- Unsecured credit card loans: $5.9M
- Commercial loans: $4.3M
- Other unsecured loans and lines of credit: $3.4M
- Other secured non-real estate loans and lines of credit: $2.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $197.8M | 12.70% | 1.59% | 1.42% | 68.54% |
| March 31, 2026 | $201.1M | 12.41% | 1.22% | 1.31% | 67.58% |
| December 31, 2025 | $192.6M | 12.23% | 1.35% | 1.44% | 71.52% |
| September 30, 2025 | $192.9M | 11.87% | 1.58% | 1.80% | 71.13% |
| June 30, 2025 | $193.6M | 11.46% | 1.76% | 1.76% | 69.22% |
| March 31, 2025 | $196.6M | 11.08% | 1.05% | 1.35% | 68.01% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Central Virginia Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 22307) · FFIEC NIC profile (RSSD 527682)
Frequently asked questions
Is Central Virginia Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Central Virginia Federal Credit Union's net worth ratio is 12.70%, above the 7% NCUA threshold for well capitalized.
Is Central Virginia Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Central Virginia Federal Credit Union is a federally insured credit union (NCUA charter 22307): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Central Virginia Federal Credit Union's key safety ratios?
For Q2 2026, Central Virginia Federal Credit Union reports net worth 12.70%, delinquency 1.59%, ROA 1.42%, loan-to-share 68.54%.
What happens to my money if Central Virginia Federal Credit Union fails?
For Q2 2026, Central Virginia Federal Credit Union held $171.2M in shares and deposits for 13,062 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.