VIRGINIA CREDIT UNION, INC. is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.vacu.org for more information.
Sep, 30, 2025 — VIRGINIA CREDIT UNION, INC. is a federally insured state chartered credit union headquartered in Richmond, VA with 20 branch locations and about $5.04 billion in total assets. Opened 98 years ago in 1928, VIRGINIA CREDIT UNION, INC. has about 318,039 members and employs 753 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | VIRGINIA CREDIT UNION, INC. |
|---|---|
| Address: (Main Office) | P.O. Box 90010 Richmond, VA 23225-9010 |
| Phone: | (804) 323-6000 |
| Fax: | |
| Website: | https://www.vacu.org |
| Branches: | 20 branch locations |
| Members: | 318,039 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 66836 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1928 |
| Last Audited: | Dec 01, 2021 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $5,043,392,839 |
| CEO/Manager: | Christopher M Shockley |
| Chairperson: | Kenneth E Ampy |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 221,467,139 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 11,391,488 |
| Real Estate Loans | 1,489,903,091 |
| Unsecured Loans | 547,132,865 |
| Other Loans | 1,039,603,374 |
| TOTAL LOANS | 3,076,806,713 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -40,125,873 |
| Land And Building | 58,524,571 |
| Other Fixed Assets | 11,433,355 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 41,066,077 |
| All Other Assets | 0 |
| TOTAL ASSETS | 5,043,392,839 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 172,524,803 |
| Accounts Payable & Other Liabilities | 64,560,578 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 993,355,671 |
| Regular shares | 835,065,567 |
| All Other Shares & Deposits | 2,649,371,496 |
| TOTAL SHARES & DEPOSITS | 4,477,792,734 |
| TOTAL LIABILITIES | 4,714,878,115 |
| Regular Reserve | 0 |
| Other Reserves | -188,432,687 |
| Undivided Earnings | 516,947,411 |
| TOTAL EQUITY | 328,514,724 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 5,043,392,839 |
| INCOME & EXPENSE | |
| Loan Income | 106,784,515 |
| Investment Income | 18,211,322 |
| Other Income | 22,050,722 |
| Total Employee Compensation & Benefits | 67,894,687 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 58,468,737 |
| Non-operating Income & (Expense) | -60,480 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,108,333 |
| Cost of Funds | 16,131,063 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 35,743,683 |
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