Credit Union Safety Analysis
Is University of Virginia Community Credit Union, Inc. Safe? Charlottesville, Virginia
Based on its Q2 2026 NCUA 5300 call report, University of Virginia Community Credit Union, Inc. has a net worth ratio of 10.44%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.57%, 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, University of Virginia Community Credit Union, Inc.'s net worth ratio is 10.44%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.44%
- Delinquency ratio (60+ days) (Q2 2026): 0.57%
- Return on assets (Q2 2026): 0.95%
- Loan-to-share ratio (Q2 2026): 72.51%
University of Virginia Community Credit Union, Inc. (NCUA charter 62504, established 1954) reported $1.62B in assets and 86,800 members for Q2 2026 from Charlottesville, Virginia. It ranks 11 of 94 credit unions in Virginia by total assets. Total assets grew 4.3% from $1.55B on June 30, 2025. It has 3,375 more members than on June 30, 2025 (+4.0%). Its net worth ratio was up 0.27 percentage points from 10.17% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $467.7M of $1.03B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.57% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.30% for Q1 2026; 10.17% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.68% for Q1 2026; 0.51% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.58% for Q1 2026; 0.56% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 69.79% for Q1 2026; 68.22% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $467.7M
- Used vehicle loans: $209.3M
- New vehicle loans: $147.9M
- Commercial loans: $92.1M
- Other unsecured loans and lines of credit: $41.5M
- Unsecured credit card loans: $38.3M
- Other secured non-real estate loans and lines of credit: $31.9M
- Non-federally guaranteed student loans: $290K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.62B | 10.44% | 0.57% | 0.95% | 72.51% |
| March 31, 2026 | $1.63B | 10.30% | 0.68% | 0.58% | 69.79% |
| December 31, 2025 | $1.60B | 10.27% | 0.61% | 0.77% | 69.88% |
| September 30, 2025 | $1.57B | 10.24% | 0.52% | 0.76% | 69.88% |
| June 30, 2025 | $1.55B | 10.17% | 0.51% | 0.56% | 68.22% |
| March 31, 2025 | $1.55B | 10.15% | 0.43% | 0.42% | 63.96% |
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Free to use. It shows University of Virginia Community Credit Union, Inc.’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.
University of Virginia Community Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 62504) · FFIEC NIC profile (RSSD 681098)
Frequently asked questions
Is University of Virginia Community Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, University of Virginia Community Credit Union, Inc.'s net worth ratio is 10.44%, above the 7% NCUA threshold for well capitalized.
Is University of Virginia Community Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. University of Virginia Community Credit Union, Inc. is a federally insured credit union (NCUA charter 62504): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are University of Virginia Community Credit Union, Inc.'s key safety ratios?
For Q2 2026, University of Virginia Community Credit Union, Inc. reports net worth 10.44%, delinquency 0.57%, ROA 0.95%, loan-to-share 72.51%.
What happens to my money if University of Virginia Community Credit Union, Inc. fails?
For Q2 2026, University of Virginia Community Credit Union, Inc. held $1.42B in shares and deposits for 86,800 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.