Roanoke Valley Community Federal Credit Union Roanoke, Virginia
Roanoke Valley Community Federal Credit Union is a federal credit union headquartered in Roanoke, VA, established in 1947 (NCUA charter 5604), and it is regulated and insured by the NCUA. At Q2 2026 it reported 9,232 members and total assets of $107.4M (up 4.9% from Q2 2025), the 45th largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 16.31% at Q2 2026, in the well capitalized band.
Also written as Roanoke Valley Community FCU
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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
- 5604
- Headquarters
- Roanoke, VA
- Established
- 1947
- Total assets, Q2 2026
- $107.4M
- Assets vs Q2 2025
- +4.9%
- Members, Q2 2026
- 9,232
- Net worth ratio, Q2 2026
- 16.31%
- Latest call report
- Q2 2026, NCUA 5300 · Roanoke Valley Community Federal Credit Union call report
- Asset rank in state
- 45th of 94 in Virginia
- Routing number
- 251482859
- Branches
- 4
It has 47 more members than on June 30, 2025 (+0.5%). Its net worth ratio was up 0.81 percentage points from 15.50% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $44.7M of $77.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.34% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 16.31% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Virginia
Credit unions merged into Roanoke Valley Community Federal Credit Union
Frequently asked about Roanoke Valley Community Federal Credit Union
How big is Roanoke Valley Community Federal Credit Union?
At Q2 2026 it reported total assets of $107.4M and 9,232 members.
Where is Roanoke Valley Community Federal Credit Union headquartered?
It is headquartered in Roanoke, VA, United States.
When was Roanoke Valley Community Federal Credit Union founded?
It was established in 1947, per NCUA records.
Is Roanoke Valley Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 5604): 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 Roanoke Valley Community Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Roanoke Valley Community Federal Credit Union well capitalized?
Its net worth ratio was 16.31% 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 Roanoke Valley Community Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.34% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Roanoke Valley Community Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 86.26% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Roanoke, VA 24016
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1947
- NCUA Charter #
- 5604
- RSSD ID
- 797971
- Members
- 9,232
- Potential members
- 250,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 16.31% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.39% | 0.81% | 80th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 8.54% | 7.02% | 63rd above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.32% | 3.70% | 83rd top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 72.06% | 76.55% | 65th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.43% | 1.24% | over 90th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.34% | 0.68% | 79th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.76% | 4.92% | 40th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 86.26% | 75.66% | 75th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$107.4M total assets against $102.5M; $89.5M total shares and deposits against $86.2M; $77.2M total loans against $75.6M.
$17.5M net worth against $15.9M.
16.31% net worth ratio against 15.50%.
86.26% loan-to-share ratio against 87.74%.
0.34% delinquency ratio against 0.67%.
1.39% return on assets against 1.53%; 8.54% return on equity against 9.89%.
4.32% net interest margin against 4.06%.
9,232 members against 9,185.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.31% | 1.39% | 0.34% | 86.26% |
| March 31, 2026 | 16.01% | 1.55% | 0.25% | 86.36% |
| December 31, 2025 | 16.19% | 1.52% | 0.27% | 91.79% |
| September 30, 2025 | 16.04% | 1.85% | 0.96% | 90.69% |
| June 30, 2025 | 15.50% | 1.53% | 0.67% | 87.74% |
| March 31, 2025 | 14.73% | 1.27% | 0.51% | 85.33% |
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.