Vantria Credit Union

Vantria Credit Union Locations
P O Box 5098
Springfield, VA 22150
703-913-0700
www.vantria.org

Vantria Credit Union is headquartered in Springfield and is the 51st largest credit union in the state of Virginia. It is also the 1,736th largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 15 employees and 8,495 members. Vantria Credit Union has a 2-star health rating.

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Top Step-Up 5-year CD Rate at Vantria Federal Credit Union in Virginia - 5/10/2012

Vantria Credit Union is offering a 5-year CD and IRA CD with a 2.27% APY. Minimum deposit is $1,000 for the CD and $2,000 for the IRA CD. For the 5-year CD, members have the option to step up the rate ...



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See Rates for: Savings | Money Market | CD | IRA

Vantria Credit Union Savings Account Rates

ApyMinMaxProduct
0.20%$25-Student First Shares
0.05%$25-Prime Shares
0.05%--Holiday Club
0.05%--Vacation Club
0.05%--IRA Shares

Vantria Credit Union Money Market Rates

ApyMinMaxProduct
0.25%$50k-Money Market Account

Vantria Credit Union CD Rates

ApyMinMaxProduct
1.51%$1k-60 Month CD
1.26%$1k-48 Month CD
0.55%$100-30 Month Payroll Savers CD
0.50%$1k-24 Month CD
0.45%$100-18 Month E-Z Saver CD
0.40%$1k-12 Month CD
0.25%$1k-6 Month CD
0.20%$1k-3-11 Month Member's Choice CD

Vantria Credit Union IRA Rates

ApyMinMaxProduct
1.51%$2k-60 Month IRA
1.51%$500-60 Month Educational IRA
1.26%$2k-48 Month IRA
1.26%$500-48 Month Educational IRA
0.55%$2k-36 Month IRA
0.55%$500-36 Month Educational IRA
0.50%$2k-24 Month IRA
0.50%$500-24 Month Educational IRA
0.40%$2k-12 Month IRA
0.40%$500-12 Month Educational IRA

Rates updated: 5/27/2012

Data for Q4 2011


Institution Statistics


VANTRIA
NCUA #6660
BankRate ReportView
Year Chartered1950
Employees15
Primary Regulator

Assets and Liabilities

Assets$75.10 million
Loans$24.94 million
Deposits$69.57 million
Equity Capital$5.01 million
Loan Loss Allowance$529,000
Unbacked Noncurrent Loans$1.04 million

Historic Data - December 2010

Assets$79.14 million
Equity Capital$5.39 million
Loan Loss Allowance$725,000
Unbacked Noncurrent Loans$623,000

Profit Margin - Quarterly

Net Interest Margin4.85%
Return on Assets-0.7%
Return on Equity-10.42%
Interest Income$1.99 million
Non-Interest Income$682,000

Institution Health


Overall Score:
2 out of 5
2
Texas Ratio3
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 Vantria Credit Union had $1.04 million in non-current loans and owned real-estate with $5.54 million in equity and loan loss allowances on hand to cover it. This gives Vantria Credit Union a Texas Ratio of 18.72% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for Vantria Credit Union increased slightly from 10.19% as of December 31, 2010 to 18.72% as of December 31, 2011, resulting in a negative change of 83.73%. This indicates that the balance sheet and financial strength for Vantria Credit Union has declined slightly in recent periods.
Deposit Growth1
In the past year, Vantria Credit Union has decreased its total deposits by -$3.79 million, resulting in -5.17% 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 Vantria Credit Union has shown is poor.
Capitalization2
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. Vantria Credit Union has $75.1 million in assets with $5.54 million in equity, resulting in a capitalization level of 7.38%, which is below average.
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