Credit union · NCUA insured
Summit Hampton Roads FCU
A $8.2M credit union headquartered in Portsmouth, VA, with 1,111 members and 2 branches in Virginia. Best rates: CDs 1.00% and savings 0.30% APY.
Summit Hampton Roads FCU Carrot Score
82
Carrot Score
Higher than 57% of U.S. banks and credit unions
#19 of 35 in Virginia Beach, VA-NC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Summit Hampton Roads FCU
Summit Hampton Roads FCU is based in Portsmouth, Virginia.
- Headquarters
- 3636 High St, Portsmouth, VA 23707
- NCUA charter
- 19973
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and volunteers of Bon Secours Mercy Medical Centers are eligible for membership.
Family and household
- Family members of employees and volunteers of Bon Secours Mercy Medical Centers (or current account holders) are eligible for membership.
Cost to join
- A minimum opening balance of $25.00 is required for a Savings account.
Branches
2 branches in Virginia
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Virginia
2 branches
- Summit Hampton Roads FCU Main OfficeMain office3636 High St, Portsmouth, VA 23707Directions
- Co-op3636 high st, Portsmouth, VA 23707Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.27% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.89% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.21% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $61 | $59 | — |
- CapitalNet worth ratio14.27%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.89%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.21%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$61Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Summit Hampton Roads FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.