Charter 22307 · Lynchburg, VA
Central Virginia Federal Credit Union
Central Virginia Federal Credit Union is a federally chartered credit union in Lynchburg, Virginia, with $198 million in assets and 13,062 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.70%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $198 million
- +2.1% in a year
- Members
- 13,062
- -0.2% in a year
- Net worth ratio
- 12.70%
- Peer median 11.65%
- Loans 60+ days late
- 1.59%
- Peer median 0.70%
- Loans outstanding
- $117 million
- -0.1% in a year
- Shares and deposits
- $171 million
- +0.9% in a year
- Branches
- 5
- 55 employees
- Opened
- 1976
- Federal charter
How Central Virginia Federal Credit Union compares
NCUA groups credit unions by size; Central Virginia Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 12.70% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.59%, is higher than the group median of 0.70%. Loans fell 0.1% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 36 of 95 credit unions headquartered in Virginia. See all Virginia credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $198 million | 13,062 | $117 million | 12.70% | 1.59% |
| Q1 2026 | $201 million | 12,991 | $118 million | 12.41% | 1.22% |
| Q4 2025 | $193 million | 13,053 | $119 million | 12.23% | 1.35% |
| Q3 2025 | $193 million | 13,060 | $119 million | 11.87% | 1.58% |
| Q2 2025 | $194 million | 13,094 | $117 million | 11.46% | 1.76% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 254,374 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for Central Virginia Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Mt. Athos Branch (main office)
1638 Mount Athos Rd, Lynchburg, VA 24504 - Timberlake Branch
20255 Timberlake Rd, Lynchburg, VA 24502 - Madison Heights Branch
4482 S Amherst Hwy, Madison Heights, VA 24572 - Forest Branch
14416 Forest Rd, Forest, VA 24551 - Old Forest Road
3404 Old Forest Rd, Lynchburg, VA 24501
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology