University Of Va Community Credit Union

University Of Va Community Credit Union is headquartered in Charlottesville and is the 12^st largest credit union in the state of Virginia. It is also the 357^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 150 employees and 58,631 members. University Of Va Community Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

University Of Va Community Credit Union Checking Account Rates

University Of Va Community Credit Union Savings Account Rates

University Of Va Community Credit Union Money Market Rates

University Of Va Community Credit Union CD Rates

University Of Va Community Credit Union IRA Rates

Data for Q4 2011

Institution Statistics UNIVERSITY OF VA COMMUNITY CU NCUA # 62504 BankRate Report View Year Chartered 1954 Employees 150 Primary Regulator Assets and Liabilities Assets $556.94 million Loans $259.46 million Deposits $486.06 million Equity Capital $64.99 million Loan Loss Allowance $4.10 million Unbacked Noncurrent Loans $2.34 million Real Estate Owned $303,000 Historic Data - December 2010 Assets $496.88 million Equity Capital $54.75 million Loan Loss Allowance $4.68 million Unbacked Noncurrent Loans $2.03 million Real Estate Owned $36,000 Profit Margin - Quarterly Net Interest Margin 6.52% Return on Assets 1.17% Return on Equity 10.02% Interest Income $24.20 million Non-Interest Income $6.17 million

Institution Health Overall Score: 5 out of 5 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, 2011 University Of Va Community Credit Union had $2.65 million in non-current loans and owned real-estate with $69.09 million in equity and loan loss allowances on hand to cover it. This gives University Of Va Community Credit Union a Texas Ratio of 3.83% 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 University Of Va Community Credit Union held steady from 3.48% as of December 31, 2010 to 3.83% as of December 31, 2011, resulting in a negative change of 10.05%. This indicates that the balance sheet and financial strength for University Of Va Community Credit Union has held steady in recent periods. Deposit Growth In the past year, University Of Va Community Credit Union has increased its total deposits by $48.58 million, resulting in 11.1% 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 University Of Va Community Credit Union has shown is excellent. Capitalization 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. University Of Va Community Credit Union has $556.93 million in assets with $69.09 million in equity, resulting in a capitalization level of 12.41%, which is excellent.

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