Virginia Credit Union, Inc.,

Virginia Credit Union, Inc., is headquartered in Richmond and is the 3^rd largest credit union in the state of Virginia. It is also the 50^th largest credit union in the nation. It was established in 1928 and as of December of 2011, it had grown to 506 employees and 213,394 members. Virginia Credit Union, Inc., has a 4-star health rating.

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Data for Q4 2011

Institution Statistics VIRGINIA CREDIT UNION, INC., NCUA # 66836 BankRate Report View Year Chartered 1928 Employees 506 Primary Regulator Assets and Liabilities Assets $2.27 billion Loans $1.30 billion Deposits $1.95 billion Equity Capital $178.72 million Loan Loss Allowance $25.79 million Unbacked Noncurrent Loans $21.43 million Real Estate Owned $2.59 million Historic Data - December 2010 Assets $2.09 billion Equity Capital $165.09 million Loan Loss Allowance $25.15 million Unbacked Noncurrent Loans $22.19 million Real Estate Owned $1.26 million Profit Margin - Quarterly Net Interest Margin 5.06% Return on Assets 0.71% Return on Equity 8.97% Interest Income $93.21 million Non-Interest Income $32.00 million

Institution Health Overall Score: 4 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 Virginia Credit Union, Inc., had $24.02 million in non-current loans and owned real-estate with $204.51 million in equity and loan loss allowances on hand to cover it. This gives Virginia Credit Union, Inc., a Texas Ratio of 11.74% 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 Virginia Credit Union, Inc., held steady from 12.32% as of December 31, 2010 to 11.74% as of December 31, 2011, resulting in a positive change of 4.71%.This indicates that the balance sheet and financial strength for Virginia Credit Union, Inc., has held steady in recent periods. Deposit Growth In the past year, Virginia Credit Union, Inc., has increased its total deposits by $99.34 million, resulting in 5.36% 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 Virginia Credit Union, Inc., 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. Virginia Credit Union, Inc., has $2.27 billion in assets with $204.51 million in equity, resulting in a capitalization level of 9.02%, which is average.