Virginia Coop

Virginia, MN · 2 · Charter #63965 · www.vccu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$43.1M
93th percentile
Members
2,814
81th percentile
Total loans
$23.0M
92th percentile
Total shares
$38.3M
96th percentile

Profitability

Return on assets
1.69%
84th percentile
Net interest margin
4.53%
70th percentile
Efficiency ratio
66.72%
50th percentile
Non-interest income ratio
14.48%
67th percentile

Capital & Risk

Net worth ratio
10.96%
22th percentile
Delinquency rate
0.49%
58th percentile
Net charge-off rate
0.11%
60th percentile
Loan-to-share
60.07%
50th percentile

Growth

Member growth YoY
-2.19%
42th percentile
Asset growth YoY
5.98%
79th percentile
Loan growth YoY
-6.27%
36th percentile
Share growth YoY
4.82%
74th percentile

Operations

Members / branch
2,814
90th percentile
Assets / member
$15,310
86th percentile
Field of membership penetration
5.31%
18th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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