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Walker-Virginia Credit Union

Walker-Virginia Credit Union
Overview / Commentary
3160 Abbott Ln
Harrisonburg, VA 22801-9708

Walker-Virginia Credit Union is headquartered in Harrisonburg and is the 151st largest credit union in the state of Virginia. It is also the 5,988th largest credit union in the nation. It was established in 1965 and as of March of 2014, it had grown to 455 members. Walker-Virginia Credit Union has a B health rating.

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Data for Q1 2014

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 capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 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 $89,000, resulting in 6.72% 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 $1.75 million in assets with $349,000 in equity, resulting in a capitalization level of 19.93%, which is excellent.

Institution Statistics

NCUA #17118
Year Chartered1965
Primary Regulator
Assets and Liabilities
Assets$1.75 million
Deposits$1.41 million
Equity Capital$314,000
Loan Loss Allowance$35,000
Real Estate Owned$0
Historic Data - March 2013
Assets$1.66 million
Equity Capital$312,000
Loan Loss Allowance$35,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0%
Return on Equity0%
Interest Income$10,000

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