Credit Union Safety Analysis
Is Loudoun Credit Union Safe? Leesburg, Virginia
Based on its Q2 2026 NCUA 5300 call report, Loudoun Credit Union has a net worth ratio of 8.13%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.83%, 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, Loudoun Credit Union's net worth ratio is 8.13%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.13%
- Delinquency ratio (60+ days) (Q2 2026): 1.83%
- Return on assets (Q2 2026): -0.16%
- Loan-to-share ratio (Q2 2026): 32.28%
Loudoun Credit Union (NCUA charter 66954, established 1978) reported $59.5M in assets and 5,357 members for Q2 2026 from Leesburg, Virginia. It ranks 56 of 94 credit unions in Virginia by total assets. Total assets grew 0.5% from $59.3M on June 30, 2025. It has 16 more members than on June 30, 2025 (+0.3%). Its net worth ratio was up 0.10 percentage points from 8.03% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $5.1M of $17.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.83% 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: 8.44% for Q1 2026; 8.03% 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: 0.87% for Q1 2026; 0.50% 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: 0.13% for Q1 2026; 0.43% 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: 34.85% for Q1 2026; 36.78% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $5.1M
- Used vehicle loans: $4.9M
- Other unsecured loans and lines of credit: $4.2M
- New vehicle loans: $1.4M
- Unsecured credit card loans: $1.3M
- Other secured non-real estate loans and lines of credit: $1.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $59.5M | 8.13% | 1.83% | -0.16% | 32.28% |
| March 31, 2026 | $57.6M | 8.44% | 0.87% | 0.13% | 34.85% |
| December 31, 2025 | $58.2M | 8.32% | 0.47% | 0.34% | 35.72% |
| September 30, 2025 | $60.1M | 8.01% | 0.64% | 0.40% | 36.29% |
| June 30, 2025 | $59.3M | 8.03% | 0.50% | 0.43% | 36.78% |
| March 31, 2025 | $59.4M | 7.90% | 0.50% | 0.27% | 36.36% |
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Free to use. It shows Loudoun Credit Union’s latest filed figures and updates each quarter.
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.
Regulator records: NCUA credit union profile (charter 66954) · FFIEC NIC profile (RSSD 1018534)
Frequently asked questions
Is Loudoun Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Loudoun Credit Union's net worth ratio is 8.13%, above the 7% NCUA threshold for well capitalized.
Is Loudoun Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Loudoun Credit Union is a federally insured credit union (NCUA charter 66954): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Loudoun Credit Union's key safety ratios?
For Q2 2026, Loudoun Credit Union reports net worth 8.13%, delinquency 1.83%, ROA -0.16%, loan-to-share 32.28%.
What happens to my money if Loudoun Credit Union fails?
For Q2 2026, Loudoun Credit Union held $55.6M in shares and deposits for 5,357 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.