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Overview / Commentary
1675 Virginia Ave
Harrisonburg, VA 22802

Park View Credit Union is headquartered in Harrisonburg and is the 36th largest credit union in the state of Virginia. It is also the 1,281st largest credit union in the nation. It was established in 1969 and as of March of 2014, it had grown to 52 employees and 8,892 members. Park View Credit Union's savings rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Park View Credit Union had $1.65 million in non-current loans and owned real-estate with $11.33 million in equity and loan loss allowances on hand to cover it. This gives Park View Credit Union a Texas Ratio of 14.56% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Park View Credit Union increased slightly from 9.48% as of March 31, 2013 to 14.56% as of March 31, 2014, resulting in a negative change of 53.59%. This indicates that the balance sheet and financial strength for Park View Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, Park View Credit Union has increased its total deposits by $4.69 million, resulting in 4.13% 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 Park View 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. Park View Credit Union has $129.14 million in assets with $11.33 million in equity, resulting in a capitalization level of 8.78%, which is average.

Institution Statistics

NCUA #19541
Year Chartered1969
Primary Regulator
Assets and Liabilities
Assets$129.14 million
Loans$101.37 million
Deposits$118.25 million
Equity Capital$10.53 million
Loan Loss Allowance$799,000
Unbacked Noncurrent Loans$972,000
Real Estate Owned$678,000
Historic Data - March 2013
Assets$124.75 million
Equity Capital$10.16 million
Loan Loss Allowance$841,000
Unbacked Noncurrent Loans$972,000
Real Estate Owned$467,000
Profit Margin - Quarterly
Return on Assets0.2%
Return on Equity2.51%
Interest Income$1.32 million

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Park View Credit Union Savings Account Rates

2.75%$100$50kGrow With Me CD
0.40%$5k-Health Savings Account (HSA)
0.25%$250-IRA Shares Account
0.25%$250-Education Savings Account
0.25%--Specialty Club Accounts
0.15%$25k-Share Savings Account
0.15%$25k-Club Accounts

Park View Credit Union Money Market Rates

0.50%$200k-Money Market Account

Park View Credit Union Checking Account Rates

0.26%$250k-Business Advantage Checking
0.15%$25k-Dividend Checking Account

Park View Credit Union CD Rates

2.00%$25k-7 Year Non-Liquid Deposit Accounts
1.70%$25k-5 Year Non-Liquid Deposit Accounts
1.20%$90k-5 Year CD
1.10%$90k-4 Year CD
1.00%$90k-3 Year CD
0.90%$90k-30 Month CD
0.85%$90k-2 Year CD
0.60%$90k-18 Month CD
0.60%$25k-CD maturing 9-15-2015
0.40%$50k-2 Year 1 Penalty Free Withdrawal
0.35%$90k-1 Year CD
0.25%$90k-6 Month CD
0.20%$5k-1 Year 1 Penalty Free Withdrawal

Park View Credit Union IRA Rates

1.50%$500-5 Year IRA
1.50%$500-5 Year CESA
1.10%$500-3 Year IRA
1.10%$500-3 Year CESA
0.85%$500-2 Year IRA
0.85%$500-2 Year CESA
0.40%$500-1 Year IRA
0.40%$500-1 Year CESA

Park View Credit Union Locations
Branch Office407 S Main StBroadway, VA 22815
Branch Office1675 Virginia AveHarrisonburg, VA 22802
Branch Office1491 Virginia AveHarrisonburg, VA 22802
Branch Office305 Mason StDayton, VA 22821