Credit Union Sees Continued Growth in Capital, Liquidity and Member Impact
NEWPORT NEWS, Va. — Langley Federal Credit Union today announced continued financial strength and solid performance for the year ended 2025, highlighted by growth in net worth, increased liquidity, strong earnings and expanded member services. Langley FCU closed the year with 402,059 members, over $5.6 billion in assets and a fortified capital position that supports long-term stability and service excellence.
“Langley’s 2025 results reflect our commitment to financial strength, sound risk management and delivering exceptional value to our members and communities,” President and CEO Gaurav Bhatia said. “Through disciplined planning and strategic execution, we’ve continued to strengthen our capital base, grow core earnings and enhance the products and services that help our members achieve their financial goals.”
2025 Financial Highlights
Capital and Liquidity Strength
- Net worth ratio increased by 29 basis points year-over-year.
- 2025 ended with $104 million in capital above the regulatory requirement to be well-capitalized, representing an 8% increase year-over-year.
- Total cash and investments increased to 16.3% of total assets, up 410 basis points.
Earnings Growth
- Achieved full-year net income of $37.3 million, up 184% compared to 2024.
- Improved net interest margin to 3.17% up 31 basis points year over year, reflecting effective balance-sheet management.
Loan and Deposit Growth
- Direct Auto loan originations reached $286 million, driven by strong member demand a 44% increase year over year.
- Home equity line of credit (HELOC) originations increased by 22% year-over-year.
- Non-maturity deposits grew by 5.3%, with continued strength in online savings products.
Community and Member Impact
Langley FCU remains deeply committed to the communities it serves. During 2025, Langley invested in programs that support financial literacy, youth education, community development and local nonprofit organizations. Highlights include:
- Donated over $1.86 million to nearly 190 charitable organizations focused on access to education, healthcare, and housing & human services.
- Expanded financial education efforts with workshops for teens and adults.
- Continued support of the nonprofit sector through employee volunteerism and on-site donation drives including:
- MLK Jr. Day of Service, with 180 Langley volunteers taking on 14 service projects
- Summer Food Drive, which collected over 4,200 pounds of food across all branches and offices to support local foodbanks
- Holiday Adopt-A-Child Drive, with Langley employees fulfilling the wish lists of nearly 120 youth in foster care
“Serving our members and strengthening the communities where they live and work is at the heart of everything we do,” said Bhatia. “We are proud of the impact our team delivered in 2025 and are energized for the opportunities ahead in 2026. With exceptional savings products, including a highly competitive 3.7% savings rate, along with market-leading auto loan and mortgage options, we continue to champion the financial wellbeing of our members. Building on our strong performance, we are focused on expanding our reach and delivering even greater impact for members and communities across the region.”
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About Langley Federal Credit Union
Langley Federal Credit Union is a federally chartered credit union, regulated and insured by the National Credit Union Administration. Langley Federal Credit Union serves 400,000 members and has over $5.6 billion in assets, ranking the financial cooperative as one of the 100 largest credit unions in the country. Langley is a full-service financial institution where everyone can save, borrow, and spend wisely. Located in Hampton Roads, Virginia, Langley has over 700 employees, 20 branches and more than 55,000 surcharge-free ATMs throughout the region. For more information, visit www.langleyfcu.org.
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