Walker-Virginia Credit Union

Walker-Virginia Credit Union is headquartered in Harrisonburg and is the 167^th largest credit union in the state of Virginia. It is also the 6,485^th largest credit union in the nation. It was established in 1965 and as of December of 2011, it had grown to employees and 437 members. Walker-Virginia Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics WALKER-VIRGINIA NCUA # 17118 BankRate Report View Year Chartered 1965 Employees 0 Primary Regulator Assets and Liabilities Assets $1.58 million Loans $510,000 Deposits $1.24 million Equity Capital $312,000 Loan Loss Allowance $34,000 Historic Data - December 2010 Assets $1.55 million Equity Capital $313,000 Loan Loss Allowance $35,000 Unbacked Noncurrent Loans $1,000 Profit Margin - Quarterly Net Interest Margin 4.89% Return on Assets -0.06% Return on Equity -0.32% Interest Income $46,000

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 Walker-Virginia Credit Union had $0 in non-current loans and owned real-estate with $346,000 in equity and loan loss allowances on hand to cover it. This gives Walker-Virginia Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Walker-Virginia Credit Union has increased its total deposits by $30,000, resulting in 2.48% 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 Walker-Virginia Credit Union has shown is above average. 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. Walker-Virginia Credit Union has $1.58 million in assets with $346,000 in equity, resulting in a capitalization level of 21.93%, which is excellent.

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