Port of Hampton Roads I L A Federal Credit Union Norfolk, Virginia
Port of Hampton Roads I L A Federal Credit Union is a federal credit union headquartered in Norfolk, VA, established in 1975 (NCUA charter 22049), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,512 members and total assets of $8.4M (up 1.6% from Q2 2025), the 77th largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 7.65% at Q2 2026, in the well capitalized band.
Also written as Port of Hampton Roads ILA FCU
BankRegReports is independent of Port of Hampton Roads I L A Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 22049
- Headquarters
- Norfolk, VA
- Established
- 1975
- Total assets, Q2 2026
- $8.4M
- Assets vs Q2 2025
- +1.6%
- Members, Q2 2026
- 1,512
- Net worth ratio, Q2 2026
- 7.65%
- Latest call report
- Q2 2026, NCUA 5300 · Port of Hampton Roads I L A Federal Credit Union call report
- Asset rank in state
- 77th of 94 in Virginia
- Routing number
- 251484459
- Branches
- 2
It has 20 fewer members than on June 30, 2025 (-1.3%). Its net worth ratio was up 0.57 percentage points from 7.08% on June 30, 2025. Used vehicle loans are its largest loan category, $1.6M of $3.7M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Virginia
Frequently asked about Port of Hampton Roads I L A Federal Credit Union
How big is Port of Hampton Roads I L A Federal Credit Union?
At Q2 2026 it reported total assets of $8.4M and 1,512 members.
Where is Port of Hampton Roads I L A Federal Credit Union headquartered?
It is headquartered in Norfolk, VA, United States.
When was Port of Hampton Roads I L A Federal Credit Union founded?
It was established in 1975, per NCUA records.
Is Port of Hampton Roads I L A Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 22049): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Port of Hampton Roads I L A Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Port of Hampton Roads I L A Federal Credit Union well capitalized?
Its net worth ratio was 7.65% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Port of Hampton Roads I L A Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 48.52% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Norfolk, VA 23505
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1975
- NCUA Charter #
- 22049
- RSSD ID
- 957485
- Members
- 1,512
- Potential members
- 2,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 6 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 7.65% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.82% | 0.72% | 55th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 10.77% | 4.74% | 83rd top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.95% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 89.61% | 79.83% | 29th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.00% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.95% | 4.70% | 87th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 48.52% | 58.92% | 34th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$8.4M total assets against $8.2M; $7.7M total shares and deposits against $7.7M; $3.7M total loans against $3.0M.
$639K net worth against $582K.
7.65% net worth ratio against 7.08%.
48.52% loan-to-share ratio against 38.53%.
0.82% return on assets against -0.18%; 10.77% return on equity against -2.56%.
5.95% net interest margin against 4.83%.
1,512 members against 1,532.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 7.65% | 0.82% | — | 48.52% |
| March 31, 2026 | 7.15% | 0.24% | — | 43.24% |
| December 31, 2025 | 7.15% | 0.97% | — | 42.83% |
| September 30, 2025 | 7.39% | -0.19% | 0.02% | 42.53% |
| June 30, 2025 | 7.08% | -0.18% | — | 38.53% |
| March 31, 2025 | 7.05% | -0.58% | — | 35.92% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.