RANKING ·
Lowest efficiency ratio in Virginia
46 of 95 credit unions in Virginia that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Jackson River Community Credit Union | Covington, VA | 50.5% | $133 million |
| 2 | Navy Federal Credit Union | Vienna, VA | 54.8% | $204 billion |
| 3 | Commonwealth One Federal Credit Union | Alexandria, VA | 56.4% | $502 million |
| 4 | Langley Federal Credit Union | Newport News, VA | 56.5% | $5.6 billion |
| 5 | United States Senate Federal Credit Union | Alexandria, VA | 56.6% | $1.5 billion |
| 6 | Bayport Federal Credit Union | Newport News, VA | 59.9% | $2.8 billion |
| 7 | Celco Community Federal Credit Union | Narrows, VA | 60.1% | $144 million |
| 8 | Beach Municipal Federal Credit Union | Virginia Beach, VA | 60.2% | $195 million |
| 9 | 1st Advantage Federal Credit Union | Newport News, VA | 61.6% | $1.1 billion |
| 10 | Henrico Federal Credit Union | Henrico, VA | 64.1% | $500 million |
| 11 | Pentagon Federal Credit Union | Mclean, VA | 64.5% | $29.2 billion |
| 12 | Apple Federal Credit Union | Fairfax, VA | 65.3% | $5.7 billion |
| 13 | Blue Eagle Credit Union | Roanoke, VA | 68.0% | $281 million |
| 14 | State Department Federal Credit Union | Alexandria, VA | 68.8% | $2.9 billion |
| 15 | Homebase Federal Credit Union | Prince George, VA | 70.1% | $298 million |
| 16 | Beacon Credit Union, Incorporated | Lynchburg, VA | 70.5% | $392 million |
| 17 | Central Virginia Federal Credit Union | Lynchburg, VA | 70.5% | $198 million |
| 18 | Dupont Community Credit Union | Waynesboro, VA | 71.8% | $2.1 billion |
| 19 | Roanoke Valley Community Federal Credit Union | Roanoke, VA | 72.1% | $107 million |
| 20 | Argent Federal Credit Union | Chesterfield, VA | 72.1% | $572 million |
| 21 | Justice Federal Credit Union | Chantilly, VA | 73.4% | $1.1 billion |
| 22 | Bronco Federal Credit Union | Franklin, VA | 74.0% | $292 million |
| 23 | Chartway Federal Credit Union | Virginia Beach, VA | 74.2% | $3.2 billion |
| 24 | Transportation Federal Credit Union | Alexandria, VA | 74.2% | $346 million |
| 25 | University of Va Community CU | Charlottesville, VA | 74.4% | $1.6 billion |
| 26 | Dominion Energy Credit Union | North Chesterfi, VA | 74.9% | $336 million |
| 27 | Agriculture Federal Credit Union | Merrifield, VA | 78.8% | $351 million |
| 28 | Park View Federal Credit Union | Harrisonburg, VA | 79.6% | $410 million |
| 29 | Topside Federal Credit Union | Dahlgren, VA | 79.8% | $492 million |
| 30 | Virginia Federal Credit Union | Richmond, VA | 80.4% | $7.4 billion |
| 31 | Freedom First Federal Credit Union | Roanoke, VA | 80.7% | $1.3 billion |
| 32 | Abnb Federal Credit Union | Chesapeake, VA | 82.3% | $914 million |
| 33 | Urw Community Federal Credit Union | Danville, VA | 82.8% | $224 million |
| 34 | Arlington Community Federal Credit Union | Arlington, VA | 83.5% | $538 million |
| 35 | Healthcare Systems Federal Credit Union | Falls Church, VA | 83.9% | $135 million |
| 36 | Truenergy Federal Credit Union | Springfield, VA | 86.5% | $126 million |
| 37 | Northwest Federal Credit Union | Herndon, VA | 86.5% | $4.6 billion |
| 38 | Paho/Who Federal Credit Union | Arlington, VA | 89.4% | $326 million |
| 39 | Call Federal Credit Union | Glen Allen, VA | 89.5% | $557 million |
| 40 | N A E Federal Credit Union | Chesapeake, VA | 89.6% | $126 million |
| 41 | Signature Federal Credit Union | Alexandria, VA | 91.9% | $421 million |
| 42 | Infirst Federal Credit Union | Alexandria, VA | 93.6% | $186 million |
| 43 | Spectra Federal Credit Union | Alexandria, VA | 96.9% | $544 million |
| 44 | Peoples Advantage Federal Credit Union | Petersburg, VA | 100.5% | $115 million |
| 45 | Valleystar Credit Union | Martinsville, VA | 103.5% | $503 million |
| 46 | Democracy Federal Credit Union | Alexandria, VA | 103.5% | $188 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings