VIRGINIA EDUCATORS CREDIT UNION
Charter #66700 · Newport News, VA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 23.49% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.87% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.03% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.16% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 51.31% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VIRGINIA EDUCATORS CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $76.86M | 61th pct | 79th pct |
| Members | 3,654 | 21th pct | 62th pct |
| Net worth ratio | 23.49% | 97th pct | 97th pct |
| Return on average assets | 1.87% | 93th pct | 90th pct |
| Net interest margin | 3.39% | 32th pct | 33th pct |
| Cost of funds | 0.03% | 2th pct | 2th pct |
| Loan-to-share | 12.69% | 1th pct | 5th pct |
| Delinquency 60+ days | 0.87% | 67th pct | 58th pct |
| Net charge-off ratio | -0.16% | 3th pct | 5th pct |
| Loan growth YoY | -5.58% | 15th pct | 44th pct |
| Share growth YoY | 2.02% | 41th pct | 41th pct |
| Efficiency ratio | 51.31% | 5th pct | 3th pct |
structural peer set hash: 2b4992c64656b912f35c2c5f3ef558da… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.