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Overview / Commentary
703-526-0200
P.O. Box 40070
Arlington, VA 22204

Arlington Community Credit Union is headquartered in Arlington and is the 28th largest credit union in the state of Virginia. It is also the 867th largest credit union in the nation. It was established in 1951 and as of December of 2013, it had grown to 68 employees and 18,093 members. Arlington Community Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or goes to school in Arlington, Virginia. - See Details

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Arlington Community Credit Union had $1.75 million in non-current loans and owned real-estate with $20.39 million in equity and loan loss allowances on hand to cover it. This gives Arlington Community Credit Union a Texas Ratio of 8.58% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Arlington Community Credit Union experienced no significant changes from 9.52% as of December 31, 2012 to 8.58% as of December 31, 2013, resulting in a positive change of 9.80%.This indicates that the balance sheet and financial strength for Arlington Community Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Arlington Community Credit Union has increased its total deposits by $7.25 million, resulting in 3.88% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Arlington Community Credit Union has shown is excellent.

Capitalization

GRADE:
C+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Arlington Community Credit Union has $215.02 million in assets with $20.39 million in equity, resulting in a capitalization level of 9.48%, which is average.

Institution Statistics

Overall
NCUA #7573
Year Chartered1951
Employees68
Primary Regulator
Assets and Liabilities
Assets$215.03 million
Loans$157.72 million
Deposits$194.26 million
Equity Capital$18.78 million
Loan Loss Allowance$1.61 million
Unbacked Noncurrent Loans$1.27 million
Real Estate Owned$481,000
Historic Data - December 2012
Assets$205.82 million
Equity Capital$17.04 million
Loan Loss Allowance$1.99 million
Unbacked Noncurrent Loans$1.27 million
Real Estate Owned$803,000
Profit Margin - Quarterly
Net Interest Margin4.94%
Return on Assets0.87%
Return on Equity10%
Interest Income$8.72 million
Rates
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Arlington Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--IRA Savings
0.25%--Roth IRA Savings
0.25%--CESA Savings
0.10%$100-Share Savings
0.10%$100-Special Club

Arlington Community Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$75k-Money Market Savings

Arlington Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.10%$500-60 Month Platinum Share Certificate
1.00%$500-48 Month Platinum Share Certificate
1.00%$500-60 Month Share Certificate
0.90%$500-48 Month Share Certificate
0.80%$500-36 Month Platinum Share Certificate
0.70%$500-36 Month Share Certificate
0.60%$500-24 Month Platinum Share Certificate
0.50%$500-24 Month Share Certificate
0.50%$500-18 Month Platinum Share Certificate
0.45%$500-12 Month Platinum Share Certificate
0.40%$500-18 Month Share Certificate
0.35%$500-12 Month Share Certificate
0.20%$500-6 Month Share Certificate

Arlington Community Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.10%$500-60 Month Platinum IRA (Traditional,CESA,Roth)
1.00%$500-48 Month Platinum IRA (Traditional,Roth,CESA)
1.00%$500-60 Month IRA (Traditional,CESA,Roth)
0.90%$500-48 Month IRA (Traditional,Roth,CESA)
0.80%$500-36 Month Platinum IRA (Traditional,Roth,CESA)
0.70%$500-36 Month IRA (Traditional,Roth,CESA)
0.60%$500-24 Month Platinum IRA (Traditional,Roth,CESA)
0.50%$500-24 Month IRA (Traditional,Roth,CESA)
0.50%$500-18 Month Platinum IRA (Traditional,Roth,CESA)
0.45%$500-12 Month Platinum IRA (Traditional,Roth,CESA)
0.40%$500-18 Month IRA (Traditional,Roth,CESA)
0.35%$500-12 Month IRA (Traditional,Roth,CESA)
0.20%$500-6 Month IRA (Traditional,Roth,CESA)
Locations


Arlington Community Credit Union Locations
Branch Office5666 Columbia PikeFalls Church, VA 22041
Branch Office2130 N Glebe RdArlington, VA 22207