Credit Union Safety Analysis
Is Virginia Co-Op Credit Union Safe? Virginia, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Virginia Co-Op Credit Union has a net worth ratio of 11.55%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.86%, 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, Virginia Co-Op Credit Union's net worth ratio is 11.55%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.55%
- Delinquency ratio (60+ days) (Q2 2026): 0.86%
- Return on assets (Q2 2026): 1.78%
- Loan-to-share ratio (Q2 2026): 56.46%
Virginia Co-Op Credit Union (NCUA charter 63965, established 1937) reported $45.7M in assets and 2,770 members for Q2 2026 from Virginia, Minnesota. It ranks 51 of 79 credit unions in Minnesota by total assets. Total assets grew 6.4% from $42.9M on June 30, 2025. It has 48 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was up 1.17 percentage points from 10.38% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $11.4M of $22.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.86% matches 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: 11.26% for Q1 2026; 10.38% 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: 0.40% for Q1 2026; 0.34% 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: 1.21% for Q1 2026; 1.57% 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: 57.82% for Q1 2026; 60.52% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $11.4M
- Used vehicle loans: $5.4M
- New vehicle loans: $2.2M
- Other secured non-real estate loans and lines of credit: $2.0M
- Other unsecured loans and lines of credit: $982K
- Commercial loans: $690K
- Unsecured credit card loans: $329K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $45.7M | 11.55% | 0.86% | 1.78% | 56.46% |
| March 31, 2026 | $44.7M | 11.26% | 0.40% | 1.21% | 57.82% |
| December 31, 2025 | $43.1M | 11.01% | 0.49% | 1.66% | 60.07% |
| September 30, 2025 | $43.4M | 10.73% | 0.54% | 1.83% | 60.86% |
| June 30, 2025 | $42.9M | 10.38% | 0.34% | 1.57% | 60.52% |
| March 31, 2025 | $42.4M | 10.09% | 0.49% | 1.19% | 62.01% |
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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.
Virginia Co-Op Credit Union profile
Regulator records: NCUA credit union profile (charter 63965) · FFIEC NIC profile (RSSD 41795)
Frequently asked questions
Is Virginia Co-Op Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Virginia Co-Op Credit Union's net worth ratio is 11.55%, above the 7% NCUA threshold for well capitalized.
Is Virginia Co-Op Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Virginia Co-Op Credit Union is a federally insured credit union (NCUA charter 63965): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Virginia Co-Op Credit Union's key safety ratios?
For Q2 2026, Virginia Co-Op Credit Union reports net worth 11.55%, delinquency 0.86%, ROA 1.78%, loan-to-share 56.46%.
What happens to my money if Virginia Co-Op Credit Union fails?
For Q2 2026, Virginia Co-Op Credit Union held $40.6M in shares and deposits for 2,770 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.