VIRGINIA STATE UNIVERSITY
Charter #3029 · South Chesterfi, VA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.42% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 5.70% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.04% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.87% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.16% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VIRGINIA STATE UNIVERSITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.58M | 15th pct | 33th pct |
| Members | 1,891 | 41th pct | 43th pct |
| Net worth ratio | 8.42% | 7th pct | 25th pct |
| Return on average assets | -0.17% | 14th pct | 34th pct |
| Net interest margin | 5.70% | 98th pct | 93th pct |
| Cost of funds | 0.04% | 3th pct | 0th pct |
| Loan-to-share | 64.01% | 60th pct | 38th pct |
| Delinquency 60+ days | 1.87% | 83th pct | 75th pct |
| Net charge-off ratio | -0.16% | 7th pct | 10th pct |
| Loan growth YoY | -2.42% | 51th pct | 46th pct |
| Share growth YoY | 3.53% | 62th pct | 49th pct |
| Efficiency ratio | 82.43% | 55th pct | 41th pct |
structural peer set hash: f14e1aa526fba946394c64d13263db04… (reproducible)
Closest structural peers
This is the free public view
Claim VIRGINIA STATE UNIVERSITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.