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Overview / Commentary
22110 Pacific Blvd Ste 100
Sterling, VA 20166

Strategic Credit Union is headquartered in Sterling and is the 87th largest credit union in the state of Virginia. It is also the 3,668th largest credit union in the nation. It was established in 1973 and as of December of 2013, it had grown to 5 employees and 1,651 members. Strategic Credit Union has a C+ health rating.

Field of Membership Restrictions

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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. Strategic 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 Strategic Credit Union had $190,000 in non-current loans and owned real-estate with $1.32 million in equity and loan loss allowances on hand to cover it. This gives Strategic Credit Union a Texas Ratio of 14.37% 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 Strategic Credit Union experienced no significant changes from 9.86% as of December 31, 2012 to 14.37% as of December 31, 2013, resulting in a negative change of 45.76%. This indicates that the balance sheet and financial strength for Strategic Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Strategic Credit Union has increased its total deposits by $287,000, resulting in 1.75% 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 Strategic Credit Union has shown is above average.



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. Strategic Credit Union has $18.03 million in assets with $1.32 million in equity, resulting in a capitalization level of 7.33%, which is below average.

Institution Statistics

NCUA #21319
Year Chartered1973
Primary Regulator
Assets and Liabilities
Assets$18.03 million
Loans$9.30 million
Deposits$16.73 million
Equity Capital$1.28 million
Loan Loss Allowance$38,000
Unbacked Noncurrent Loans$190,000
Real Estate Owned$0
Historic Data - December 2012
Assets$17.72 million
Equity Capital$1.26 million
Loan Loss Allowance$26,000
Unbacked Noncurrent Loans$190,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.43%
Return on Assets0.15%
Return on Equity2.1%
Interest Income$458,000

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Strategic Credit Union Savings Account Rates

0.15%--IRA Shares
0.10%--Holiday Club
0.05%$100-Share Savings

Strategic Credit Union Money Market Rates

0.15%$25k-Money Market Account

Strategic Credit Union Checking Account Rates

0.00%--Share Draft (Fee Free) Account

Strategic Credit Union CD Rates

0.30%$1,500-24 Month CD
0.25%$1,500-18 Month CD
0.20%$1,500-12 Month CD
0.15%$1,500-6 Month CD

Strategic Credit Union IRA Rates

0.30%$1k-24 Month IRA
0.25%$1k-18 Month IRA
0.20%$1k-12 Month IRA
0.15%$1k-6 Month IRA

Strategic Credit Union Locations
Branch Office22110 Pacific Blvd Ste 100Sterling, VA 20166
Branch Office8320 Alban Rd Suite 100Springfield, VA 22150