VAC Employees Federal Credit Union

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Overview / Commentary

vacemployeesfcu.com

607-776-3684

2 Wilson Ave
Bath, NY 14810-1634

VAC Employees Federal Credit Union is headquartered in Bath and is the 167^th largest credit union in the state of New York. It is also the 3,153^rd largest credit union in the nation. It was established in 1949 and as of June of 2017, it had grown to 6 employees and 3,060 members at 1 location. 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.
See current membership details

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Health

B+

Data as of Q2 2017

Learn why bank health matters

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

Overall
NCUA #	6225
Year Chartered	1949
Employees	6
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.01%
Return on Equity - YTD	-0.05%
Annual Interest Income	$252.00K

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$25.4MM$25.2MM
Loans	Q2 2017vs Q2 2016	$5.1MM$5.3MM
Deposits	Q2 2017vs Q2 2016	$21.3MM$21.0MM
Equity Capital	Q2 2017vs Q2 2016	$4.1MM$4.1MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$18.00K$15.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$0$0
Real Estate Owned	Q2 2017vs Q2 2016	$0$0

Rates

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VAC Employees Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%	$1k	-	12 Month Time Share Certificate
0.20%	$1k	-	6 Month Time Share Certificate

VAC Employees Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%	-	-	18 Month Roth IRA Time Share Certificate
0.45%	-	-	18 Month IRA Time Share Certificate

Locations

VAC Employees Federal Credit Union Locations
Branch Office	2 Wilson Ave	Bath, NY 14810-1634