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Overview / Commentary
P.O. Box 1906
Winchester, VA 22604

Winchester Community Credit Union is headquartered in WINCHESTER and is the 97th largest credit union in the state of Virginia. It is also the 4,175th largest credit union in the nation. It was established in 1971 and as of December of 2013, it had grown to 6 employees and 3,911 members. Winchester Community Credit Union has a C- health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Frederick County or the City of Winchester. - See Details

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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. Winchester Community Credit Union has a 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 Winchester Community Credit Union had $363,000 in non-current loans and owned real-estate with $967,000 in equity and loan loss allowances on hand to cover it. This gives Winchester Community Credit Union a Texas Ratio of 37.54% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Winchester Community Credit Union experienced no significant changes from 37.41% as of December 31, 2012 to 37.54% as of December 31, 2013, resulting in a negative change of 0.34%. This indicates that the balance sheet and financial strength for Winchester Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Winchester Community Credit Union has decreased its total deposits by $-937,000, resulting in -7.2% 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 Winchester Community Credit Union has shown is below average.



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. Winchester Community Credit Union has $12.4 million in assets with $967,000 in equity, resulting in a capitalization level of 7.80%, which is below average.

Institution Statistics

NCUA #20814
Year Chartered1971
Primary Regulator
Assets and Liabilities
Assets$12.40 million
Loans$11.18 million
Deposits$12.08 million
Equity Capital$896,000
Loan Loss Allowance$71,000
Unbacked Noncurrent Loans$246,000
Real Estate Owned$117,000
Historic Data - December 2012
Assets$13.77 million
Equity Capital$951,000
Loan Loss Allowance$54,000
Unbacked Noncurrent Loans$246,000
Real Estate Owned$127,000
Profit Margin - Quarterly
Net Interest Margin5.22%
Return on Assets-0.44%
Return on Equity-6.14%
Interest Income$660,000
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Winchester Community Credit Union Savings Account Rates

0.10%-$10mChristmas Club Account
0.10%$10k-Preferred Shares Account
0.05%$50-Primary Saving Account

Winchester Community Credit Union CD Rates

0.50%$10k-36 month CD
0.30%$10k-24 Month CD
0.20%$10k-13 Month CD
0.15%$10k-12 Month CD

Winchester Community Credit Union IRA Rates

0.35%--36 Month IRA
0.25%--24 Month IRA
0.15%--12 Month IRA
0.10%-$10mIRA Shares Account

Winchester Community Credit Union Locations
Branch Office1700 S LOUDOUN STWINCHESTER, VA 22601-4449