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Overview / Commentary
108 Yogaville Way
Buckingham, VA 23921

Yogaville Credit Union is headquartered in Buckingham and is the 121st largest credit union in the state of Virginia. It is also the 5,167th largest credit union in the nation. It was established in 1983 and as of March of 2014, it had grown to 1 employees and 519 members. Yogaville 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. Yogaville 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 Yogaville Credit Union had $5,000 in non-current loans and owned real-estate with $782,000 in equity and loan loss allowances on hand to cover it. This gives Yogaville Credit Union a Texas Ratio of 0.64% 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 Yogaville Credit Union decreased dramatically from 1.22% as of March 31, 2013 to 0.64% as of March 31, 2014, resulting in a positive change of 47.43%.This indicates that the balance sheet and financial strength for Yogaville Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Yogaville Credit Union has increased its total deposits by $43,000, resulting in 0.92% 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 Yogaville Credit Union has shown is above 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. Yogaville Credit Union has $5.51 million in assets with $782,000 in equity, resulting in a capitalization level of 14.19%, which is excellent.

Institution Statistics

NCUA #23974
Year Chartered1983
Primary Regulator
Assets and Liabilities
Assets$5.51 million
Loans$2.62 million
Deposits$4.72 million
Equity Capital$778,000
Loan Loss Allowance$4,000
Unbacked Noncurrent Loans$5,000
Real Estate Owned$0
Historic Data - March 2013
Assets$5.43 million
Equity Capital$737,000
Loan Loss Allowance$3,000
Unbacked Noncurrent Loans$5,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.94%
Return on Equity6.68%
Interest Income$40,000

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Yogaville Credit Union Locations
Branch Office1430 Woodland Church RdBuckingham, VA 23921-2234