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Overview / Commentary
2 Wilson Ave
Bath, NY 14810-1634

VAC Employees Federal Credit Union is headquartered in Bath and is the 166th largest credit union in the state of New York. It is also the 3,174th largest credit union in the nation. It was established in 1949 and as of September of 2016, it had grown to 6 employees and 3,259 members at 3 locations. VAC Employees Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live or work in the towns of Bath, Campbell, Prattsburgh, Howard, Avoca, Cohocton and Hornellsville, or an employee of the VA Medical Center at Bath, NY or other select segment groups.
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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. VAC Employees Federal Credit Union has a low asset base.

Health Grade Components

NCUA #6225
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD-0.09%
Return on Equity - YTD-0.55%
Annual Interest Income$383.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$24.8MM$24.1MM
LoansQ3 2016vs Q3 2015$5.6MM$5.0MM
DepositsQ3 2016vs Q3 2015$20.7MM$19.8MM
Equity CapitalQ3 2016vs Q3 2015$4.1MM$4.1MM
Loan Loss AllowanceQ3 2016vs Q3 2015$15.00K$26.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$0$0
Real Estate OwnedQ3 2016vs Q3 2015$0$0
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VAC Employees Federal Credit Union Savings Account Rates

0.10%$100-Share Account
0.10%--Traditional IRA Share
0.10%--Roth IRA Share
0.10%--Coverdell (Educational) IRA Share

VAC Employees Federal Credit Union CD Rates

0.30%$1k-12 Month Time Share Certificate
0.20%$1k-6 Month Time Share Certificate

VAC Employees Federal Credit Union IRA Rates

0.45%--18 Month Roth IRA Time Share Certificate
0.45%--18 Month IRA Time Share Certificate

VAC Employees Federal Credit Union Locations
Branch Office3031 Airpark Dr NFlint, MI 48507-3471
Branch Office2 Wilson AveBath, NY 14810-1634
Branch Office4897 W Lake Park Blvd Ste 200Salt Lake City, UT 84120-8207