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VAC Employees Federal Credit Union


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 165th largest credit union in the state of New York. It is also the 3,116th largest credit union in the nation. It was established in 1949 and as of December of 2017, it had grown to 6 employees and 3,102 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.
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Health
B+

Data as of Q4 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 Chartered1949
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD-0.01%
Return on Equity - YTD-0.07%
Annual Interest Income$521.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$25.3MM$24.8MM
LoansQ4 2017vs Q4 2016$5.1MM$5.5MM
DepositsQ4 2017vs Q4 2016$21.1MM$20.6MM
Equity CapitalQ4 2017vs Q4 2016$4.1MM$4.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$23.00K$15.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$61.00K$0
Real Estate OwnedQ4 2017vs Q4 2016$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 IRA Time Share Certificate
Locations


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

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