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Charter 24962 · Richmond, VA

Virginia Federal Credit Union

Virginia Federal Credit Union is a federally chartered credit union in Richmond, Virginia, with $7.37 billion in assets and 480,100 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.90%, well above the 7% that NCUA's rules treat as well capitalized.

Total assets
$7.37 billion
+5.4% in a year
Members
480,100
-2.7% in a year
Net worth ratio
10.90%
Peer median 10.79%
Loans 60+ days late
1.05%
Peer median 0.67%
Loans outstanding
$5.35 billion
+1.3% in a year
Shares and deposits
$6.41 billion
+5.3% in a year
Branches
39
1,075 employees
Opened
1928
Federal charter

How Virginia Federal Credit Union compares

NCUA groups credit unions by size; Virginia Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.90% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.05%, is higher than the group median of 0.67%. Loans grew 1.3% over the year to Q2 2026, against a group median of 5.3% growth.

By assets it ranks 3 of 95 credit unions headquartered in Virginia. See all Virginia credit unions.

Five quarters of figures

QuarterAssetsMembersLoansNet worth ratio60+ days late
Q2 2026 $7.37 billion 480,100 $5.35 billion 10.90% 1.05%
Q1 2026 $7.36 billion 494,625 $5.31 billion 11.34% 0.90%
Q4 2025 $7.24 billion 491,381 $5.29 billion 10.98% 1.07%
Q3 2025 $7.13 billion 647,446 $5.26 billion 10.97% 0.97%
Q2 2025 $7.00 billion 493,643 $5.28 billion 10.82% 0.96%

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 1.9 million 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 44 sites for Virginia Federal Credit Union; the first 40 are below. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.

  • GENITO BRANCH
    11030 Hull Street Rd, Midlothian, VA 23112
  • HANOVER BRANCH
    Creighton Crossing Shopping Center, Mechanicsville, VA 23111
  • SHORT PUMP BRANCH
    4001 Lauderdale Dr, Richmond, VA 23233
  • VIRGINIA CENTER COMMONS BRANCH
    10165 Brook Rd, Glen Allen, VA 23059
  • FREDERICKSBURG BRANCH
    2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401
  • FARMVILLE BRANCH
    100 Midtown Ave, Farmville, VA 23901
  • GLENSIDE BRANCH
    5427 Glenside Dr, Richmond, VA 23228
  • KOGER CENTER BRANCH
    1200 Koger Center Blvd, North Chesterfield, VA 23235
  • SOUTHPARK BRANCH
    301 Temple Lake Dr, Colonial Heights, VA 23834
  • COSNER EAST BRANCH
    4531 Spotsylvania Pkwy, Fredericksburg, VA 22408
  • BOULDERS (main office)
    7500 Boulder View Dr, North Chesterfield, VA 23225
  • CHESTER BRANCH
    13025 Route 1, Chester, VA 23831
  • Waterford
    13505 Tredegar Lake Pkwy, Midlothian, VA 23112
  • EAST END BRANCH
    5285 S Laburnum Ave, Henrico, VA 23231
  • WEST BROAD BRANCH
    9498 W Broad St, Henrico, VA 23294
  • SEMINOLE SQUARE BRANCH
    120 Seminole Ct, Charlottesville, VA 22901
  • HANCOCK VILLAGE BRANCH
    14520 Hancock Village St, Chesterfield, VA 23832
  • COURTHOUSE BRANCH
    6737 Public Safety Way, Chesterfield, VA 23832
  • WINTERFIELD BRANCH
    14351 Winterview Pkwy, Midlothian, VA 23113
  • CARYTOWN BRANCH
    10 N Nansemond St Ste 6, Richmond, VA 23221
  • SCOTT'S ADDITION
    3200 W Broad St Ste G, Richmond, VA 23230
  • CHURCH HILL BRANCH
    2420 Fairmount Ave, Richmond, VA 23223
  • NORTH ADAMS
    27 W Broad St Ste 1, Richmond, VA 23220
  • CHRISTIANSBURG BRANCH
    105 Oaktree Blvd, Christiansburg, VA 24073
  • DALEVILLE TOWN CENTER BRANCH
    32 Charter Ave, Daleville, VA 24083
  • FOREST BRANCH
    16955 Forest Rd Ste A, Roanoke, VA 24024
  • ROANOKE ADMINISTRATION OFFICE
    202 4Th St Ne Bldg A, Roanoke, VA 24016
  • ROANOKE CORPORATE OFFICE
    202 4Th St Ne Bldg C, Roanoke, VA 24016
  • HERSHBERGER BRANCH
    1611 Hershberger Rd Nw, Roanoke, VA 24012
  • LAKESIDE CROSSING BRANCH
    3901 Old Forest Rd, Lynchburg, VA 24501
  • LYNCHBURG BRANCH
    7114 Timberlake Rd, Lynchburg, VA 24502
  • ROANOKE LEARNING CENTER
    202 4Th St Ne Bldg C, Roanoke, VA 24016
  • MAIN
    625 Williamson Rd. Ne, Roanoke, VA 24016
  • ORANGE AVE BRANCH
    1445 Mexico Way Ne, Roanoke, VA 24012
  • RADFORD BRANCH
    6103 Fulk Dr Ste C, Fairlawn, VA 24141
  • ROCKY MOUNT BRANCH
    40 Member One Way, Rocky Mount, VA 24151
  • SALEM BRANCH
    1436 W Main St, Salem, VA 24153
  • SOUTH ROANOKE BRANCH
    2926 Franklin Rd Sw, Roanoke, VA 24014
  • SOUTHWEST BRANCH
    2310 Electric Rd, Roanoke, VA 24018
  • VINTON BRANCH
    1056 Dogwood Boulevard, Vinton, VA 24179

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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