Credit union

Halifax County Community Federal Credit Union

South Boston, Virginia, Halifax County, VA

$7M in total assets and 1,556 members, the 3,674th largest of 4,298 US credit unions and 80th of 95 headquartered in Virginia.

NCUA charter: 23760
Charter: Federal
Chartered: 1981
NCUA insured since: 1981
Field of membership: Community credit unions
Low-income designation: Yes
Website: https://www.halifaxcu.org

At a glance

Compared with 29 federally insured credit unions in Virginia with under $100 million in assets, as of June 30, 2026.

Measure	This credit union	Percentile	Peer median
Total assets	$7M	2%	$45M
Loans	$2M	2%	$17M
Deposits (shares)	$7M	3%	$37M
Members	1,556	10%	2,946
Return on assets	-1.50%	3%	0.64%
Net interest income to assets	2.52%	2%	3.92%
Efficiency ratio	146.2%	98%	80.4%
Net worth ratio	6.24%	3%	13.04%
Loans to shares	30%	7%	50%
Cost of deposits	1.37%	86%	0.66%

Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.

Growth

Total assets grew 0.4% a year over 10 years but fell 0.3% a year over the last 5, without mergers. Membership fell 19.7% a year over 5 years, to 1,556.

Where they operate

0 branches in 0 counties.

Branches by year

Year end	Branches	Change
2018	1
2023	1	0

Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.

Earnings and credit

Return on assets

Year to date, annualized, with the peer median.

Credit and capital

	This credit union	Peer median
Delinquent loans, 60+ days	0.96%	1.00%
Net worth ratio	6.24%	13.04%
Loans to shares	30%	50%

Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.

Credit unions of similar size in Virginia

Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.