Credit Union Safety Analysis
Is Virginia United Methodist Credit Union, Inc. dba the United Methodist Credit Union Safe? Glen Allen, Virginia
Based on its Q2 2026 NCUA 5300 call report, Virginia United Methodist Credit Union, Inc. dba the United Methodist Credit Union has a net worth ratio of 10.18%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 5.95%, 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 United Methodist Credit Union, Inc. dba the United Methodist Credit Union's net worth ratio is 10.18%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.18%
- Delinquency ratio (60+ days) (Q2 2026): 5.95%
- Return on assets (Q2 2026): 0.12%
- Loan-to-share ratio (Q2 2026): 97.61%
Virginia United Methodist Credit Union, Inc. dba the United Methodist Credit Union (NCUA charter 62536, established 1952) reported $15.0M in assets and 2,796 members for Q2 2026 from Glen Allen, Virginia. It ranks 70 of 94 credit unions in Virginia by total assets. Total assets fell 11.7% from $17.0M on June 30, 2025. It has 15 more members than on June 30, 2025 (+0.5%). Its net worth ratio was up 1.27 percentage points from 8.91% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.8M of $13.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 5.95% 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: 9.19% for Q1 2026; 8.91% 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: 4.59% for Q1 2026; 3.87% 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: 0.08% for Q1 2026; 0.08% 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: 89.57% for Q1 2026; 91.38% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $2.8M
- Used vehicle loans: $2.6M
- Other unsecured loans and lines of credit: $2.4M
- Commercial loans: $2.3M
- Unsecured credit card loans: $1.2M
- New vehicle loans: $1.1M
- Non-federally guaranteed student loans: $649K
- Other secured non-real estate loans and lines of credit: $140K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $15.0M | 10.18% | 5.95% | 0.12% | 97.61% |
| March 31, 2026 | $16.6M | 9.19% | 4.59% | 0.08% | 89.57% |
| December 31, 2025 | $15.7M | 9.68% | 4.17% | 0.08% | 95.86% |
| September 30, 2025 | $16.2M | 9.39% | 4.63% | 0.10% | 94.27% |
| June 30, 2025 | $17.0M | 8.91% | 3.87% | 0.08% | 91.38% |
| March 31, 2025 | $18.6M | 8.14% | 3.31% | 0.09% | 77.88% |
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Free to use. It shows Virginia United Methodist Credit Union, Inc. dba the United Methodist Credit Union’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.
Virginia United Methodist Credit Union, Inc. dba the United Methodist Credit Union profile
Regulator records: NCUA credit union profile (charter 62536) · FFIEC NIC profile (RSSD 622596)
Frequently asked questions
Is Virginia United Methodist Credit Union, Inc. dba the United Methodist Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Virginia United Methodist Credit Union, Inc. dba the United Methodist Credit Union's net worth ratio is 10.18%, above the 7% NCUA threshold for well capitalized.
Is Virginia United Methodist Credit Union, Inc. dba the United Methodist Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Virginia United Methodist Credit Union, Inc. dba the United Methodist Credit Union is a federally insured credit union (NCUA charter 62536): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Virginia United Methodist Credit Union, Inc. dba the United Methodist Credit Union's key safety ratios?
For Q2 2026, Virginia United Methodist Credit Union, Inc. dba the United Methodist Credit Union reports net worth 10.18%, delinquency 5.95%, ROA 0.12%, loan-to-share 97.61%.
What happens to my money if Virginia United Methodist Credit Union, Inc. dba the United Methodist Credit Union fails?
For Q2 2026, Virginia United Methodist Credit Union, Inc. dba the United Methodist Credit Union held $13.5M in shares and deposits for 2,796 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.