VIRGINIA EDUCATORS CREDIT UNION
Charter #66700 | VA
<100M
(2596 CUs)
Micro
($0-$500M)
49 <100M in VA
VIRGINIA EDUCATORS CREDIT UNION has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.00% above tier average
- + Net Interest Margin 0.29% above tier average
- + Efficiency Ratio: Top 2.7% in tier
- + Total Assets: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.8% YoY
- - Loan-to-Share Ratio: Bottom 2.6% in tier
- - Member Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,761
-7.8% YoY-1.3% QoQ
|
+1.1K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 23.7% in tier |
| Assets |
$74.8M
-0.2% YoY-0.2% QoQ
|
+$45.0M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Top 9.8% in tier |
| Loans |
$7.8M
-7.6% YoY-3.1% QoQ
|
$-7.9M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
44th in tier |
| Deposits |
$57.2M
-4.1% YoY-1.3% QoQ
|
+$31.8M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 13.5% in tier |
| ROA |
2.7%
-19.2% YoY+2.4% QoQ
|
+2.0% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Top 3.0% in tier |
| NIM |
4.2%
-15.2% YoY+0.2% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
63rd in tier |
| Efficiency Ratio |
42.4%
+8.3% YoY-2.8% QoQ
|
-39.0% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.7% in tier |
| Delinquency Rate |
0.6%
-46.2% YoY+25.7% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
45th in tier |
| Loan To Share |
13.7%
-3.6% YoY-1.8% QoQ
|
-47.5% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.4% in tier |
| AMR |
$17,298
+3.6% YoY-0.1% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
68th in tier |
| CD Concentration |
3.7%
+63.8% YoY+8.7% QoQ
|
-20.7% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
0.1%
-71.6% YoY-36.0% QoQ
|
-13.9% |
14.0%
-5.8% YoY
|
9.7%
-0.5% 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)
72
Efficiency Ratio
profitability
Value:
42.39%
Peer Avg: 81.39%
#72 of 2596
Top 2.7% in <100M tier
79
Return on Assets (ROA)
profitability
Value:
2.69%
Peer Avg: 0.68%
#79 of 2596
Top 3.0% in <100M tier
255
Total Assets
balance_sheet
Value:
$74.81M
Peer Avg: $29.86M
#255 of 2596
Top 9.8% in <100M tier
351
Total Deposits
balance_sheet
Value:
$57.21M
Peer Avg: $25.45M
#351 of 2596
Top 13.5% in <100M tier
372
Net Worth Ratio
risk
Value:
22.99%
Peer Avg: 16.43%
#372 of 2596
Top 14.3% in <100M tier
614
Total Members
engagement
Value:
3,761
Peer Avg: 2,626
#614 of 2596
Top 23.6% in <100M tier
Top Weaknesses (6 metrics)
2529
Loan-to-Share Ratio
balance_sheet
Value:
13.71%
Peer Avg: 61.23%
#2529 of 2596
Bottom 2.6% in <100M tier
2363
Member Growth Rate
growth
Value:
-7.82%
Peer Avg: 14.92%
#2363 of 2596
Bottom 9.0% in <100M tier
2320
First Mortgage Concentration (%)
balance_sheet
Value:
43.93%
Peer Avg: 14.49%
#2320 of 2596
Bottom 10.7% in <100M tier
2238
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,086
Peer Avg: $5,488
#2238 of 2596
Bottom 13.8% in <100M tier
2190
Indirect Auto Concentration (%)
balance_sheet
Value:
0.09%
Peer Avg: 2.84%
#2190 of 2596
Bottom 15.7% in <100M tier
2043
Deposit Growth Rate
growth
Value:
-4.06%
Peer Avg: 16.80%
#2043 of 2596
Bottom 21.3% in <100M tier