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Overview / Commentary
12715 Ridgefield Village Dr STE 101
Woodbridge, VA 22193

P W C Employees Credit Union is headquartered in Woodbridge and is the 67th largest credit union in the state of Virginia. It is also the 2,282nd largest credit union in the nation. It was established in 1971 and as of December of 2013, it had grown to 12 employees and 7,558 members. P W C Employees Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be an employee or volunteer of a governmental unit within the geographic boundaries of Prince William County. - 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. P W C Employees 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 P W C Employees Credit Union had $315,000 in non-current loans and owned real-estate with $6.76 million in equity and loan loss allowances on hand to cover it. This gives P W C Employees Credit Union a Texas Ratio of 4.66% 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 P W C Employees Credit Union experienced no significant changes from 4.50% as of December 31, 2012 to 4.66% as of December 31, 2013, resulting in a negative change of 3.61%. This indicates that the balance sheet and financial strength for P W C Employees Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, P W C Employees Credit Union has increased its total deposits by $2.85 million, resulting in 7.11% 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 P W C Employees 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. P W C Employees Credit Union has $49.43 million in assets with $6.76 million in equity, resulting in a capitalization level of 13.68%, which is excellent.

Institution Statistics

NCUA #66975
Year Chartered1971
Primary Regulator
Assets and Liabilities
Assets$49.43 million
Loans$18.75 million
Deposits$42.91 million
Equity Capital$6.36 million
Loan Loss Allowance$403,000
Unbacked Noncurrent Loans$315,000
Real Estate Owned$0
Historic Data - December 2012
Assets$44.92 million
Equity Capital$5.82 million
Loan Loss Allowance$722,000
Unbacked Noncurrent Loans$315,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin7.36%
Return on Assets1.19%
Return on Equity9.25%
Interest Income$1.68 million
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P W C Employees Credit Union Savings Account Rates

0.10%$100-Regular Share Account
0.10%--Child's Share Account
0.10%--IRA Share Account
0.10%$2k-Coverdell Education Savings Account
0.10%--Roth IRA Share Account
0.00%--Christmas Club Account
0.00%--Club Account

P W C Employees Credit Union Checking Account Rates

0.00%--Share Draft Account

P W C Employees Credit Union CD Rates

1.10%$500-36 Month Share Certificate
0.80%$500-24 Month Share Certificate
0.70%$500-18 Month Share Certificate
0.65%$500-12 Month Share Certificate
0.45%$500-6 Month Share Certificate

P W C Employees Credit Union IRA Rates

1.10%$500-36 Month IRA Certificate (Traditional,Roth,CESA)
0.80%$500-24 Month IRA Certificate (Traditional,Roth,CESA)
0.70%$500-18 Month IRA Certificate (Traditional,Roth,CESA)
0.65%$500-12 Month IRA Certificate (Traditional,Roth,CESA)
0.45%$500-6 Month IRA Certificate (Traditional,Roth,CESA)

P W C Employees Credit Union Locations
Branch Office12715 Ridgefield Village Dr STE 101Woodbridge, VA 221938911
Branch Office8807 Center StManassas, VA 20110-5401