Overview / Commentary
607-776-3684
2 Wilson Ave
Bath, NY 14810-1634

VAC Employees Federal Credit Union is headquartered in Bath and is the 164th largest credit union in the state of New York. It is also the 3,072nd largest credit union in the nation. It was established in 1949 and as of June of 2018, it had grown to 6 employees and 3,151 members at 1 location. VAC Employees Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Anyone who works, attends school, worships or lives, as well as, businesses and other legal entities located in Steuben County; and elected officials, members or employees of several organizations and select employer groups are eligible for membership with VAC Employees Federal Credit Union.
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Health
B+
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 Chartered1949
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD-0.32%
Return on Equity - YTD-2.06%
Annual Interest Income$284.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$26.3MM$25.4MM
LoansQ2 2018vs Q2 2017$5.2MM$5.1MM
DepositsQ2 2018vs Q2 2017$22.2MM$21.3MM
Equity CapitalQ2 2018vs Q2 2017$4.1MM$4.1MM
Loan Loss AllowanceQ2 2018vs Q2 2017$42.00K$18.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$0$0
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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VAC Employees Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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

VAC Employees Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%--18 Month Roth IRA Time Share Certificate
0.45%--18 Month Traditional IRA Time Share Certificate
Locations


VAC Employees Federal Credit Union Locations
Branch Office2 Wilson AveBath, NY 14810-1634

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