Virginia Educators Credit Union
Total assets
$76.9M
▲ +0.9% YoY
Shares & deposits
$58.4M
▼ -2.2% YoY
Loans
$7.4M
▼ -7.3% YoY
Members
3,654
▼ -5.9% YoY
ROA (annualized)
1.85%
peers 0.60%
ROE (annualized)
7.86%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | -2.2% | +0.7% | -2.9 pts |
| Loan growth (YoY) | -7.3% | -2.4% | -5.0 pts |
| ROA | 1.85% | 0.60% | +1.2 pts |
| ROE | 7.9% | 4.1% | +3.8 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 12626 Nettles Dr, Newport News, VA, 23606
- NCUA charter #
- 66700
- RSSD ID
- 985992
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $76.9M | $58.4M | $7.4M | $18.1M | $355K | 1.85% | 3.36% | 0.87% | 3,654 |
| Q4 2025 | $75.3M | $57.1M | $7.9M | $17.7M | $2.0M | 2.67% | 4.17% | 0.53% | 3,699 |
| Q3 2025 | $74.8M | $57.2M | $7.8M | $17.2M | $1.5M | 2.69% | 4.22% | 0.55% | 3,761 |
| Q2 2025 | $74.9M | $57.9M | $8.1M | $16.7M | $991K | 2.65% | 4.25% | 0.44% | 3,812 |
| Q1 2025 | $76.2M | $59.7M | $8.0M | $16.2M | $462K | 2.43% | 4.03% | 0.29% | 3,883 |
| Q4 2024 | $73.8M | $57.9M | $8.4M | $15.7M | $2.5M | 3.37% | 4.99% | 0.86% | 3,951 |
| Q3 2024 | $75.0M | $59.6M | $8.5M | $15.1M | $1.9M | 3.33% | 4.99% | 1.03% | 4,080 |
| Q2 2024 | $75.3M | $60.5M | $8.1M | $14.5M | $1.2M | 3.27% | 5.06% | 0.71% | 4,119 |
Loan mix (Q1 2026): real estate $3.2M · commercial $0 · consumer $4.2M · securities $1.9M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.83% | 30th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.3% | 81.5% | 5th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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