B
Virginia Co-Op Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Virginia Co-Op Credit Union
Virginia, MN
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Rating B
Asset Quality Index 8.00
Capitalization Index 8.50
Liquidity Index 4.50
Profitability Index 9.20
Stability Index 5.40
Company Info Virginia Co-Op Credit Union
Virginia, MN
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NCUA Charter Number 5072
Phone Number (218) 741-5644
Website vccu.org
Asset Quality Virginia Co-Op Credit Union
Virginia, MN
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1-Year Asset Growth 4.91%
5-Year Asset Growth 8.73%
5-Year Charge-Offs to Average Loans 0.15%
Charge-Offs to Average Loans 0.16%
Non-Performing Assets to Assets 0.32%
Non-Performing Loans to Capital 3.06%
Non-Performing Loans to Loans 0.54%
Balance Sheet Virginia Co-Op Credit Union
Virginia, MN
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Total Assets 43.36M
Total Deposits 38.78M
Capital and Reserves Virginia Co-Op Credit Union
Virginia, MN
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Capital 4.54M
Leverage Ratio 10.47
Loan Loss Reserves to Loans 0.44%
Liquidity Virginia Co-Op Credit Union
Virginia, MN
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Hot Money Ratio 0.00%
Liquidity Ratio 24.88%
Profitability Virginia Co-Op Credit Union
Virginia, MN
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5-Year Return on Average Assets 0.77%
Net Income 493.00K
Net Interest Spread 5.15%
Operating Profit to Average Assets 1.62%
Overhead Efficiency Ratio 67.80%
Return on Assets 1.55%
Return on Equity 15.39%