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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 165th largest credit union in the state of New York. It is also the 3,155th largest credit union in the nation. It was established in 1949 and as of December of 2016, it had grown to 5 employees and 3,278 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-0.02%
Return on Equity - YTD-0.12%
Annual Interest Income$509.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$24.8MM$24.3MM
LoansQ4 2016vs Q4 2015$5.5MM$5.2MM
DepositsQ4 2016vs Q4 2015$20.6MM$20.1MM
Equity CapitalQ4 2016vs Q4 2015$4.1MM$4.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$15.00K$26.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$0$0
Real Estate OwnedQ4 2016vs Q4 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