WJC Federal Credit Union

Overview / Commentary
205 W Laurel Ave
Damascus, VA 24236

WJC Federal Credit Union is headquartered in Damascus and is the 94th largest credit union in the state of Virginia. It is also the 4,444th largest credit union in the nation. It was established in 1982 and as of June of 2020, it had grown to 4 employees and 1,190 members at 1 location. WJC Federal Credit Union has a F health rating.

Field of Membership Restrictions

Membership in WJC Federal Credit Union is open to those who live, work, worship or attend school in Washington County, Virginia.
See current membership details


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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. WJC Federal Credit Union has a very low asset base, and a negative return on assets.

Health Grade Components

NCUA #23938
Year Chartered1982
Primary Regulator
Profit Margin
Return on Assets - YTD-5.75%
Return on Equity - YTD-181.35%
Annual Interest Income$204.00K
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$5.5MM$5.6MM
LoansQ2 2020vs Q2 2019$4.2MM$4.7MM
DepositsQ2 2020vs Q2 2019$5.3MM$5.0MM
Equity CapitalQ2 2020vs Q2 2019$172.00K$401.00K
Loan Loss AllowanceQ2 2020vs Q2 2019$35.00K$46.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$317.00K$580.00K
Real Estate OwnedQ2 2020vs Q2 2019$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

WJC Federal Credit Union Savings Account Rates

0.30%*$10k*-Savings Account
OTHER TIERS: 0.19% $5 - $10k

WJC Federal Credit Union CD Rates

1.00%$1k-5 Year CD
0.95%$1k-4 Year CD
0.80%$1k-3 Year CD
0.65%$1k-2 Year CD
0.45%$1k-1 Year CD

WJC Federal Credit Union Locations
Branch Office22706 Jeb Stuart HwyDamascus, VA 24236

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