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Overview / Commentary
801 Sycolin Rd SE Ste 101
Leesburg, VA 20175

Loudoun Credit Union is headquartered in Leesburg and is the 71st largest credit union in the state of Virginia. It is also the 2,811st largest credit union in the nation. It was established in 1978 and as of December of 2013, it had grown to 10 employees and 7,656 members. Loudoun Credit Union's money market rates are 25% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be an employee of Loudoun County or other select companies. - See Details

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Data for Q4 2013

Institution Health

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

Texas Ratio


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 Loudoun Credit Union had $170,000 in non-current loans and owned real-estate with $3.69 million in equity and loan loss allowances on hand to cover it. This gives Loudoun Credit Union a Texas Ratio of 4.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Loudoun Credit Union decreased slightly from 5.46% as of December 31, 2012 to 4.60% as of December 31, 2013, resulting in a positive change of 15.64%.This indicates that the balance sheet and financial strength for Loudoun Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Loudoun Credit Union has increased its total deposits by $2.7 million, resulting in 10.25% 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 Loudoun Credit Union has shown is excellent.



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. Loudoun Credit Union has $32.95 million in assets with $3.69 million in equity, resulting in a capitalization level of 11.21%, which is excellent.

Institution Statistics

NCUA #66954
Year Chartered1978
Primary Regulator
Assets and Liabilities
Assets$32.95 million
Loans$12.62 million
Deposits$29.01 million
Equity Capital$3.68 million
Loan Loss Allowance$15,000
Unbacked Noncurrent Loans$170,000
Real Estate Owned$0
Historic Data - December 2012
Assets$30.13 million
Equity Capital$3.71 million
Loan Loss Allowance$47,000
Unbacked Noncurrent Loans$170,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.74%
Return on Assets0.08%
Return on Equity0.73%
Interest Income$966,000

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Loudoun Credit Union Savings Account Rates

0.50%--IRA Share Account
0.50%--Roth IRA Share Account
0.25%$200-Regular Share Account
0.25%--Fill In The Blank Savings

Loudoun Credit Union Money Market Rates

0.55%$50k-Money Market Account

Loudoun Credit Union Checking Account Rates

0.25%$1k-Senior Advantage Checking Account
0.13%--Everyday Checking Account

Loudoun Credit Union CD Rates

1.51%$1k-36 Month CD
1.16%$1k-24 Month CD
0.60%$1k-12 Month CD
0.50%$1k-9 Month CD
0.40%$1k-6 Month CD

Loudoun Credit Union IRA Rates

2.17%$1k-60 Month Roth CD
1.61%$1k-36 Month IRA CD
1.61%$1k-36 Month Roth CD
1.21%$1k-24 Month IRA CD
1.21%$1k-24 Month Roth CD

Loudoun Credit Union Locations
Branch Office801 Sycolin Rd SE Ste 101Leesburg, VA 20175
Branch Office112 South St SE Ste ALeesburg, VA 20175