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Overview / Commentary
132 Kimball Road
Concord, VA 24538

Campbell County Emp Credit Union is headquartered in Concord and is the 159th largest credit union in the state of Virginia. It is also the 6,395th largest credit union in the nation. It was established in 1956 and as of December of 2013, it had grown to 1 employees and 415 members. Campbell County Emp Credit Union has a C+ health rating.

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Health

Data for Q4 2013

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Campbell County Emp Credit Union has a very low asset base.

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 Campbell County Emp Credit Union had $5,000 in non-current loans and owned real-estate with $78,000 in equity and loan loss allowances on hand to cover it. This gives Campbell County Emp Credit Union a Texas Ratio of 6.41% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Campbell County Emp Credit Union decreased dramatically from 12.94% as of December 31, 2012 to 6.41% as of December 31, 2013, resulting in a positive change of 50.47%.This indicates that the balance sheet and financial strength for Campbell County Emp Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
D

In the past year, Campbell County Emp Credit Union has decreased its total deposits by $-51,000, resulting in -8.6% 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 Campbell County Emp Credit Union has shown is below average.

Capitalization

GRADE:
A+

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. Campbell County Emp Credit Union has $617,000 in assets with $78,000 in equity, resulting in a capitalization level of 12.64%, which is excellent.

Institution Statistics

Overall
NCUA #66909
Year Chartered1956
Employees1
Primary Regulator
Assets and Liabilities
Assets$617,000
Loans$117,000
Deposits$542,000
Equity Capital$74,000
Loan Loss Allowance$4,000
Unbacked Noncurrent Loans$5,000
Real Estate Owned$0
Historic Data - December 2012
Assets$673,000
Equity Capital$80,000
Loan Loss Allowance$5,000
Unbacked Noncurrent Loans$5,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin12.82%
Return on Assets-0.65%
Return on Equity-5.41%
Interest Income$17,000
Rates

Sorry, we do not have rate data for Campbell County Emp Credit Union

Locations


Campbell County Emp Credit Union Locations
Branch Office132 Kimball RdConcord, VA 24538-3014