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Overview / Commentary
3160 Abbott Ln
Harrisonburg, VA 22801

Walker-Virginia Credit Union is headquartered in Harrisonburg and is the 152nd largest credit union in the state of Virginia. It is also the 6,038th largest credit union in the nation. It was established in 1965 and as of December of 2013, it had grown to 457 members. Walker-Virginia Credit Union has a B health rating.

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Walker-Virginia Credit Union has a very low asset base.

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, 2013 Walker-Virginia Credit Union had $0 in non-current loans and owned real-estate with $349,000 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 $75,000, resulting in 5.99% 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 excellent.



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 $1.67 million in assets with $349,000 in equity, resulting in a capitalization level of 20.94%, which is excellent.

Institution Statistics

NCUA #17118
Year Chartered1965
Primary Regulator
Assets and Liabilities
Assets$1.67 million
Deposits$1.33 million
Equity Capital$314,000
Loan Loss Allowance$35,000
Real Estate Owned$0
Historic Data - December 2012
Assets$1.59 million
Equity Capital$312,000
Loan Loss Allowance$34,000
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.39%
Return on Assets0.06%
Return on Equity0.32%
Interest Income$41,000

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Walker-Virginia Credit Union Locations
Branch Office3160 Abbott LnHarrisonburg, VA 22801-9708