VIRGINIA COOP
Charter #63965 | MN
<100M
(2596 CUs)
Micro
($0-$500M)
38 <100M in MN
VIRGINIA COOP has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.84% above tier average
- + Net Interest Margin 0.55% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -2.9% YoY
- - Indirect Auto Concentration (%): Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,814
-2.9% YoY-0.1% QoQ
|
+188 |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
64th in tier |
| Assets |
$43.4M
+4.9% YoY+1.0% QoQ
|
+$13.5M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
73rd in tier |
| Loans |
$23.6M
-7.1% YoY+1.1% QoQ
|
+$7.8M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Top 25.0% in tier |
| Deposits |
$38.8M
+4.1% YoY+0.5% QoQ
|
+$13.3M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
74th in tier |
| ROA |
1.5%
+3.5% YoY+10.3% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Top 19.7% in tier |
| NIM |
4.5%
+5.0% YoY+0.9% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
72nd in tier |
| Efficiency Ratio |
67.8%
-1.8% YoY+0.1% QoQ
|
-13.6% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
27th in tier |
| Delinquency Rate |
0.5%
+43.3% YoY+59.1% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
44th in tier |
| Loan To Share |
60.9%
-10.8% YoY+0.6% QoQ
|
-0.4% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
49th in tier |
| AMR |
$22,167
+2.5% YoY+0.9% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 13.6% in tier |
| CD Concentration |
0.4%
+3.0% YoY-4.3% QoQ
|
-24.0% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
12.5%
-39.5% YoY-17.1% QoQ
|
-1.4% |
14.0%
-5.8% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (6 metrics)
352
Average Member Relationship (AMR)
engagement
Value:
$22,167
Peer Avg: $14,627
#352 of 2596
Top 13.5% in <100M tier
411
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,386
Peer Avg: $5,488
#411 of 2596
Top 15.8% in <100M tier
512
Return on Assets (ROA)
profitability
Value:
1.52%
Peer Avg: 0.68%
#512 of 2596
Top 19.7% in <100M tier
613
Share Certificate Concentration (%)
balance_sheet
Value:
0.42%
Peer Avg: 15.37%
#613 of 2596
Top 23.6% in <100M tier
648
Total Loans
balance_sheet
Value:
$23.60M
Peer Avg: $15.77M
#648 of 2596
Top 24.9% in <100M tier
649
Fee Income Per Member
profitability
Value:
$118.52
Peer Avg: $182.96
#649 of 2596
Top 25.0% in <100M tier
Top Weaknesses (3 metrics)
2381
Indirect Auto Concentration (%)
balance_sheet
Value:
12.51%
Peer Avg: 2.84%
#2381 of 2596
Bottom 8.3% in <100M tier
2317
First Mortgage Concentration (%)
balance_sheet
Value:
43.70%
Peer Avg: 14.49%
#2317 of 2596
Bottom 10.8% in <100M tier
2004
Net Worth Ratio
risk
Value:
10.73%
Peer Avg: 16.43%
#2004 of 2596
Bottom 22.8% in <100M tier