Credit Union Safety Analysis
Is Halifax County Community Federal Credit Union Safe? South Boston, Virginia
Based on its Q2 2026 NCUA 5300 call report, Halifax County Community Federal Credit Union has a net worth ratio of 6.24%, at the NCUA level for adequately capitalized, not well capitalized, its 60-day delinquency ratio is 0.97%, 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, Halifax County Community Federal Credit Union's net worth ratio is 6.24%, below the 7% NCUA level for well capitalized and in the adequately capitalized range (6% to 7%).
- Net worth ratio (Q2 2026): 6.24%
- Delinquency ratio (60+ days) (Q2 2026): 0.97%
- Return on assets (Q2 2026): -1.43%
- Loan-to-share ratio (Q2 2026): 29.71%
Halifax County Community Federal Credit Union (NCUA charter 23760, established 1981) reported $7.1M in assets and 1,556 members for Q2 2026 from South Boston, Virginia. It ranks 79 of 94 credit unions in Virginia by total assets. Total assets grew 6.6% from $6.7M on June 30, 2025. It has 163 fewer members than on June 30, 2025 (-9.5%). Its net worth ratio was down 1.35 percentage points from 7.59% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $1.2M of $2.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.97% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 6.54% for Q1 2026; 7.59% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.89% for Q1 2026; 3.16% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -1.49% for Q1 2026; -5.90% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 25.16% for Q1 2026; 12.90% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $1.2M
- Used vehicle loans: $435K
- 1- to 4-family residential and other consumer real estate loans: $305K
- Other secured non-real estate loans and lines of credit: $23K
- Commercial loans: $11K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $7.1M | 6.24% | 0.97% | -1.43% | 29.71% |
| March 31, 2026 | $7.2M | 6.54% | 0.89% | -1.49% | 25.16% |
| December 31, 2025 | $6.7M | 7.43% | 2.32% | -0.08% | 22.91% |
| September 30, 2025 | $6.9M | 7.22% | 3.31% | 4.28% | 14.30% |
| June 30, 2025 | $6.7M | 7.59% | 3.16% | -5.90% | 12.90% |
| March 31, 2025 | $6.5M | 8.34% | 1.55% | 0.88% | 13.39% |
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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.
Halifax County Community Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 23760) · FFIEC NIC profile (RSSD 841799)
Frequently asked questions
Is Halifax County Community Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Halifax County Community Federal Credit Union's net worth ratio is 6.24%, below the 7% NCUA level for well capitalized and in the adequately capitalized range (6% to 7%).
Is Halifax County Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Halifax County Community Federal Credit Union is a federally insured credit union (NCUA charter 23760): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Halifax County Community Federal Credit Union's key safety ratios?
For Q2 2026, Halifax County Community Federal Credit Union reports net worth 6.24%, delinquency 0.97%, ROA -1.43%, loan-to-share 29.71%.
What happens to my money if Halifax County Community Federal Credit Union fails?
For Q2 2026, Halifax County Community Federal Credit Union held $6.7M in shares and deposits for 1,556 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.