Hampton Roads Educ Credit Union Inc

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Overview / Commentary

www.hrecu.org

757-838-0707

2130 Cunningham Dr
Hampton, VA 23666

Hampton Roads Educ Credit Union Inc is headquartered in Hampton and is the 73^rd largest credit union in the state of Virginia. It is also the 2,825^th largest credit union in the nation. It was established in 1954 and as of June of 2016, it had grown to 11 employees and 6,840 members at 1 location. Hampton Roads Educ Credit Union Inc has a C+ health rating.

Field of Membership Restrictions

Hampton Roads Education Credit Union of Virginia is open to the current and retired employees and presently enrolled or home schooled students of these qualified schools and associations: Hampton City, Gloucester County, Isle of Wright County, Matthews County, Middlesex County, New Horizons Hampton Facility, Poquoson City, Surry County, Williamsburg/James City Count, Thomas Nelson Community College, and the Gloucester County Municipal Government, along with the employees and students of private schools within the Hampton Roads area, and the family members of current credit union members.
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Health

C+

Data as of Q2 2016

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Hampton Roads Educ Credit Union Inc has a low asset base.

Health Grade Components

Overall
NCUA #	66913
Year Chartered	1954
Employees	11
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.22%
Return on Equity - YTD	-5.96%
Annual Interest Income	$642.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$32.1MM$32.0MM
Loans	Q2 2016vs Q2 2015	$12.9MM$13.3MM
Deposits	Q2 2016vs Q2 2015	$30.6MM$30.0MM
Equity Capital	Q2 2016vs Q2 2015	$1.2MM$1.7MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$221.00K$178.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$120.00K$154.00K
Real Estate Owned	Q2 2016vs Q2 2015	$0$0

Rates

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Hampton Roads Educ Credit Union Inc Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$1k	-	Share Savings Account
0.05%	-	-	Youth Share Account
0.05%	-	-	Vacation Club Account
0.05%	-	-	Holiday Club Account

Hampton Roads Educ Credit Union Inc CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	-	-	36 Month Share Certificate

Locations

Hampton Roads Educ Credit Union Inc Locations
Branch Office	2130 Cunningham Dr	Hampton, VA 23666