Virginia Gas Credit Union Inc.

Virginia Gas Credit Union Inc. is headquartered in Staunton and is the 144^th largest credit union in the state of Virginia. It is also the 5,986^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to employees and 461 members. Virginia Gas Credit Union Inc. has a 4-star health rating.

Data for Q4 2011

Institution Statistics VIRGINIA GAS CREDIT UNION INC. NCUA # 66990 BankRate Report View Year Chartered 1956 Employees 0 Primary Regulator Assets and Liabilities Assets $3.15 million Loans $461,000 Deposits $2.69 million Equity Capital $439,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $16,000 Historic Data - December 2010 Assets $3.37 million Equity Capital $451,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $3,000 Profit Margin - Quarterly Net Interest Margin 8.98% Return on Assets -0.32% Return on Equity -2.28% Interest Income $80,000

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 Gas Credit Union Inc. had $16,000 in non-current loans and owned real-estate with $446,000 in equity and loan loss allowances on hand to cover it. This gives Virginia Gas Credit Union Inc. a Texas Ratio of 3.59% 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 Virginia Gas Credit Union Inc. held steady from 0.66% as of December 31, 2010 to 3.59% as of December 31, 2011, resulting in a negative change of 447.68%. This indicates that the balance sheet and financial strength for Virginia Gas Credit Union Inc. has held steady in recent periods. Deposit Growth In the past year, Virginia Gas Credit Union Inc. has decreased its total deposits by $-201,000, resulting in -6.96% 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 Gas Credit Union Inc. has shown is poor. 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 Gas Credit Union Inc. has $3.15 million in assets with $446,000 in equity, resulting in a capitalization level of 14.17%, which is excellent.

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