Credit Union Safety Analysis
Is N A E Federal Credit Union Safe? Chesapeake, Virginia
Based on its Q2 2026 NCUA 5300 call report, N A E Federal Credit Union has a net worth ratio of 16.02%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.36%, 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, N A E Federal Credit Union's net worth ratio is 16.02%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.02%
- Delinquency ratio (60+ days) (Q2 2026): 0.36%
- Return on assets (Q2 2026): 0.33%
- Loan-to-share ratio (Q2 2026): 78.02%
N A E Federal Credit Union (NCUA charter 16706, established 1965) reported $125.9M in assets and 11,367 members for Q2 2026 from Chesapeake, Virginia. It ranks 42 of 94 credit unions in Virginia by total assets. Total assets fell 0.1% from $126.1M on June 30, 2025. It has 242 fewer members than on June 30, 2025 (-2.1%). Its net worth ratio was up 0.31 percentage points from 15.71% on June 30, 2025. Used vehicle loans are its largest loan category, $50.0M of $79.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.36% is below 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: 15.81% for Q1 2026; 15.71% 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: 0.40% for Q1 2026; 0.55% 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: 0.30% for Q1 2026; 0.21% 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: 78.26% for Q1 2026; 77.70% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $50.0M
- New vehicle loans: $23.9M
- Unsecured credit card loans: $3.0M
- Other unsecured loans and lines of credit: $1.4M
- Other secured non-real estate loans and lines of credit: $812K
- 1- to 4-family residential and other consumer real estate loans: $592K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $125.9M | 16.02% | 0.36% | 0.33% | 78.02% |
| March 31, 2026 | $126.9M | 15.81% | 0.40% | 0.30% | 78.26% |
| December 31, 2025 | $125.9M | 15.87% | 0.42% | 0.28% | 79.48% |
| September 30, 2025 | $126.0M | 15.78% | 0.62% | 0.25% | 77.47% |
| June 30, 2025 | $126.1M | 15.71% | 0.55% | 0.21% | 77.70% |
| March 31, 2025 | $129.0M | 15.30% | 0.57% | 0.33% | 73.81% |
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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.
N A E Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 16706) · FFIEC NIC profile (RSSD 836889)
Frequently asked questions
Is N A E Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, N A E Federal Credit Union's net worth ratio is 16.02%, above the 7% NCUA threshold for well capitalized.
Is N A E Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. N A E Federal Credit Union is a federally insured credit union (NCUA charter 16706): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are N A E Federal Credit Union's key safety ratios?
For Q2 2026, N A E Federal Credit Union reports net worth 16.02%, delinquency 0.36%, ROA 0.33%, loan-to-share 78.02%.
What happens to my money if N A E Federal Credit Union fails?
For Q2 2026, N A E Federal Credit Union held $102.2M in shares and deposits for 11,367 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.