Virginia Credit Union, Inc.,
Richmond, VA · Charter 66836 · Peer group: credit unions $1B-$10B in assets (n=409)
NCUA · 23 branches
Q2 2024
$5.3BAssets
$3.8BLoans
$4.5BShares
$565.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 81% of credit unions $1B-$10B in assets (rank 76 of 409).
- Widest gap: nonperforming loans / loans trails 84% of credit unions $1B-$10B in assets (rank 346 of 409).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.40%
Rank 278 of 409
Net Interest Margin
3.43%
Rank 76 of 409
Efficiency Ratio
78.68%
Rank 261 of 409
Equity / Assets
10.68%
Rank 194 of 409
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.40% | 0.31% | 0.59% | 0.92% | Beats 32% | 278 / 409 | n/a | |
| Return on Equity | 3.70% | 2.95% | 5.75% | 8.38% | Beats 30% | 285 / 409 | n/a | |
| Net Interest Margin | 3.43% | 2.53% | 2.90% | 3.32% | Beats 81% | 76 / 409 | n/a | |
| Efficiency Ratio | 78.68% | 67.11% | 74.53% | 81.97% | Beats 36% | 261 / 409 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.08% | 0.36% | 0.60% | 0.86% | Beats 16% | 346 / 409 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.68% | 9.44% | 10.54% | 12.14% | Beats 53% | 194 / 409 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.68% | 9.44% | 10.54% | 12.14% | Beats 53% | 194 / 409 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 85.76% | 78.77% | 88.36% | 97.27% | 40th pctl | 244 / 409 | n/a | |
| Loans / Assets | 72.14% | 66.61% | 74.05% | 80.30% | 41st pctl | 242 / 409 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |