Credit Union Safety Analysis
Is Planters Federal Credit Union Safe? Suffolk, Virginia
Based on its Q2 2026 NCUA 5300 call report, Planters Federal Credit Union has a net worth ratio of 21.73%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 12.10%, 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, Planters Federal Credit Union's net worth ratio is 21.73%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 21.73%
- Delinquency ratio (60+ days) (Q2 2026): 12.10%
- Return on assets (Q2 2026): -0.02%
- Loan-to-share ratio (Q2 2026): 41.06%
Planters Federal Credit Union (NCUA charter 21367, established 1973) reported $2.4M in assets and 398 members for Q2 2026 from Suffolk, Virginia. It ranks 86 of 94 credit unions in Virginia by total assets. Total assets fell 9.7% from $2.7M on June 30, 2025. It has 96 fewer members than on June 30, 2025 (-19.4%). Its net worth ratio was up 2.10 percentage points from 19.63% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $380K of $756K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 12.10% 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: 21.69% for Q1 2026; 19.63% 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: 8.30% for Q1 2026; 9.46% 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: 0.44% for Q1 2026; 1.11% 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: 42.72% for Q1 2026; 41.36% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $380K
- Used vehicle loans: $329K
- New vehicle loans: $27K
- Other secured non-real estate loans and lines of credit: $18K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.4M | 21.73% | 12.10% | -0.02% | 41.06% |
| March 31, 2026 | $2.4M | 21.69% | 8.30% | 0.44% | 42.72% |
| December 31, 2025 | $2.5M | 20.93% | 6.53% | -1.43% | 43.32% |
| September 30, 2025 | $2.5M | 21.06% | 5.05% | 1.01% | 43.17% |
| June 30, 2025 | $2.7M | 19.63% | 9.46% | 1.11% | 41.36% |
| March 31, 2025 | $2.6M | 19.53% | 6.65% | 0.01% | 43.93% |
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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.
Planters Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 21367) · FFIEC NIC profile (RSSD 419086)
Frequently asked questions
Is Planters Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Planters Federal Credit Union's net worth ratio is 21.73%, above the 7% NCUA threshold for well capitalized.
Is Planters Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Planters Federal Credit Union is a federally insured credit union (NCUA charter 21367): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Planters Federal Credit Union's key safety ratios?
For Q2 2026, Planters Federal Credit Union reports net worth 21.73%, delinquency 12.10%, ROA -0.02%, loan-to-share 41.06%.
What happens to my money if Planters Federal Credit Union fails?
For Q2 2026, Planters Federal Credit Union held $1.8M in shares and deposits for 398 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.