# VIRGINIA EDUCATORS CREDIT UNION
Newport News, VA · NCUA charter 66700 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/virginia-educators-credit-union-66700

Who the members are: state charter, organized 1954, low-income designated. 3,654 members of 25,000 potential (14.6% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $76.9M |
| Members | 3,654 (-5.9% YoY) |
| Full-time staff | 4 |
| Net worth | $18.1M |
| Net worth ratio | 23.5% (p97 of band) |
| ROA (annualized) | 1.85% (p93 of band) |
| Total delinquency | 0.87% (p67 of band) |
| Net charge-offs (annualized) | -0.17% (p3 of band) |
| Loans / shares | 13% (p1 of band) |
| Cash / assets | 86.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.36% (p33 of band) |
| Operating expense / assets | 1.96% (p6 of band) |
| Vehicles % of loans | 32% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p51 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 20% |
| Unsecured % of loans | 25% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 6% |
| Average share balance | $7,547 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $3,146 |
| Loans granted, annualized | $964,288 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 3 | repo signal, loan book shrinking | net worth falling |
| 2017-12 | 1 |  | repo signal, loan book shrinking |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | charge-offs p90 |
| 2018-12 | 3 | delinquency rising, charge-offs p90 |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | loan book shrinking |  |
| 2019-09 | 3 |  | delinquency rising |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | margin squeeze, repo signal |  |
| 2020-06 | 3 | net worth falling | charge-offs p90, loan book shrinking, repo signal |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 3 | delinquency rising, loan book shrinking | margin squeeze |
| 2021-12 | 4 | delinquency 2x band |  |
| 2022-03 | 4 | charge-offs p90 | delinquency 2x band |
| 2022-06 | 4 | delinquency 2x band | charge-offs p90 |
| 2022-09 | 2 |  | delinquency rising, delinquency 2x band |
| 2022-12 | 3 | repo signal |  |
| 2023-03 | 2 |  | repo signal |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 2 | assets shrinking | loan book shrinking |
| 2024-03 | 3 | delinquency 2x band, delinquency rising | assets shrinking |
| 2024-06 | 4 | repo signal, loan book shrinking | delinquency 2x band |
| 2024-09 | 4 | assets shrinking | loan book shrinking |
| 2024-12 | 3 |  | delinquency rising |
| 2025-03 | 2 | margin squeeze | repo signal, assets shrinking |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-15 [Salute to Success Student Recognition Ceremony honors NNPS top students - Newport News Public Schools](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQMzN5QVBHNEk5Z3F2bV9zRDI0dlRRTU5KMVQ4c3Z2SzQ1cGVDNldPUDU3SGIwSWxDYzZWUnJyX25sek5mZ3ZTcklNd0c3ajZwSFpESTFoc2NLWnZfNGQ5Ri1zQ240bEl3eFZwOXpjc1paZFRVVklUbFdBaVI2VHFvR3VEUDJsTUV6QUtqZTBpdkIyWXdLUE5reXZwMkZsbnBaQm1IQlpnRW9TcTVBNy1ERXZIQnBCNjA5U0VGTHdQNVZ2WUk?oc=5) · Newport News Public Schools
- 2018-06-04 [Newport News Police make arrest in credit union robbery - WTKR](https://news.google.com/rss/articles/CBMikAFBVV95cUxNRTUxakc2ZXlLR2lyLWw0YUI0dWNzOUFFOHVNd0ktSUNqT1ZCVEozLUdYbW95UG9wTkp4SnQyZDd6RHJlTWhmYTdnRU5GdjhyS1Zfbk5hdDhVSkM1WU9UQy1uOHZaMjVkZC1fV0FnNktfX3dzQXV3aGo1T2k2dDJRSHc5RXEzYUFMenU1QmRURUM?oc=5) · WTKR
- 2017-04-03 [Accused credit union robber arrested, charged | 13newsnow.com - 13newsnow.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxOaUpRUXV1ZmQ4c01YOE9pcHBhczBmSXZ0NHNkUUItaGhqYkFJYW14SDMwUDQ4WDFTbFdUUXktTVlKTDA0U2lVOHRuR1B6bzNsWUpoYnVoTE1fSFl1X2pDMjJnN2JXM2hhMzlFOENKY0dSSFJEOTJ0eEo4aVpURUs5ZTJ0SEo5YXdXSDlkSzF3b25kazR0azFyM2hQSGVsVnNOWTZxOTBB?oc=5) · 13newsnow.com
- 2025-05-22 [Salute to Success Student Recognition Dinner honors NNPS top students - Newport News Public Schools](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOSFV1Ykg1QnJ1YUtjOTJTYmN5WVhZZ0ozR3NZVHZTUW9ybXZUM0NuVkxLVXNlODBKeFQwcEptM3ZjMWJibldlQkpkZDhTcGdWY2Jkb1NWbFhqYTlVcXN3cWF5cGJvYjhmRmx5ZDZjSGMwMkl0eGdydjdzamVrdHgyVzFmdUxPTGtjNW02WW5faVU4MUZTdThLOHRIbTloNzZBXzVXQjc0VlNkdTR3bnYzN2o2VTNhdjhYMnFUbmdDNk4?oc=5) · Newport News Public Schools
- 2022-12-06 [Doretha J. Spells Recognized for Dedication to the Field of Education - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMivwFBVV95cUxPc0hKTXBrTFlqZk1hdUtJSkpYdW15eERHcm9hOVQwd0xvdTBUMjhoVWRkMEZxODJXa3JDRnhzbXdpMWlFWmlOWVBHc1J0TDcxSGd1RFVfbHBtS0lfX0ZMWTY1YmVSZ2pqZGd4dFo1NmEwc1B6eUZTVUROa3h3ck5ROTFxd0k1OHRwSnVvR194YXdvaVU5VUVQSmhiLTNXMUdmSEdBSEc2UmxvcDlwNHF3N3NXdlZ5TUgxNkYyRHE4cw?oc=5) · 24-7 Press Release Newswire
- 2015-07-07 [Navy Federal Credit Union expanding in Hampton Roads - Daily Press](https://news.google.com/rss/articles/CBMilgFBVV95cUxNbTRCa0RkeHRZOE1xcjJqZWdFd19TQWYxODJLMzZHSTdqeGE4R0VCZDF4RWNBTnhuT3pudzJoUGxZYXZqTVV4cjFZVzhHQ0VYZjZ3SFhjY0JNUWJaZElwaGV2cHJVZDNIXzNaQ1BkTkFmSzVYQ0hTd0ZHMlZkUEd0ZjFfZlR5WEdGMHI3VGMtVmUzOGJQQlE?oc=5) · Daily Press
- 2025-05-31 [Deacon Everette Alexander Hicks Sr. - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxQMDZteG5vZE9GREFvNENBbGVNOTlpbkFIb2k2Zi1XSVpueEE5c0ZvSEpNWFdMYjF0dWZaR01tMWpCQ1g0bmF2a1IzNHJROXFPQk8tWFVUUENvanZKRlc5cUVZRFVCRU0tcXRDTndMdjVuYmE4cHVMdnRsTUhGSWhPYlZlaw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66700 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/12.json (key "66700", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66700
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide