Civic Intelligence

Virginia Educators Credit Union

EIN 54-6038710 • 501(c)14 • Newport News, VA

View Organization Page

Profile

To provide affordable financial services to its members, including loan relationships, depository services, credit cards and internet banking at convenient locations by professionals who provide excellent service.

12626 Nettles DriveNewport News, VA 23606

www.vecu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

11th percentile

0.79x

Higher debt load relative to assets than 11% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

23rd percentile

14.10x

Higher debt load relative to revenue than 23% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

100th percentile

60%

Higher net margin than 100% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

14th percentile

-3.8%

Faster asset growth than 14% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2022 to 2024

Revenue Growth

92nd percentile

33%

Faster revenue growth than 92% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets11th percentile

Assets

Down

$73,795,802

Down $3,482,650 (-4.5%) from 2023

Liabilities

Down

$58,121,071

Down $5,983,911 (-9.3%) from 2023

Net Assets

Up

$15,674,731

Up $2,501,261 (+19%) from 2023

Operations
Liabilities / Revenue23rd percentileNet Margin100th percentile

Revenue

Down

$4,122,161

Down $48,044 (-1.2%) from 2023

Expenses

Up

$1,634,537

Up $276,766 (+20%) from 2023

Net Income

Down

$2,487,624

Down $324,810 (-12%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth14th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$80M$60M$40M$20M$0Assets 2010: $48,846,932Liabilities 2010: $42,913,281Net Assets 2010: $5,933,6512010Assets 2011: $52,290,468Liabilities 2011: $46,006,836Net Assets 2011: $6,283,6322011Assets 2012: $55,869,769Liabilities 2012: $49,273,317Net Assets 2012: $6,596,4522012Assets 2013: $57,163,280Liabilities 2013: $50,553,288Net Assets 2013: $6,609,9922013Assets 2014: $58,623,704Liabilities 2014: $52,002,579Net Assets 2014: $6,621,1252014Assets 2015: $60,010,259Liabilities 2015: $53,317,687Net Assets 2015: $6,692,5722015Assets 2016: $62,723,565Liabilities 2016: $55,453,488Net Assets 2016: $7,270,0772016Assets 2017: $64,895,788Liabilities 2017: $56,987,814Net Assets 2017: $7,907,9742017Assets 2018: $65,730,948Liabilities 2018: $57,172,709Net Assets 2018: $8,558,2392018Assets 2019: $66,367,211Liabilities 2019: $57,174,768Net Assets 2019: $9,192,4432019Assets 2020: $77,047,091Liabilities 2020: $67,764,905Net Assets 2020: $9,282,1862020Assets 2021: $78,982,986Liabilities 2021: $69,509,999Net Assets 2021: $9,472,9872021Assets 2022: $79,815,449Liabilities 2022: $69,454,882Net Assets 2022: $10,360,5672022Assets 2023: $77,278,452Liabilities 2023: $64,104,982Net Assets 2023: $13,173,4702023Assets 2024: $73,795,802Liabilities 2024: $58,121,071Net Assets 2024: $15,674,7312024

Highlighted filing

2024

Assets$73,795,802
Liabilities$58,121,071
Net Assets$15,674,731
Open 2024 Filing

Operations Trend

Revenue Growth92nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0Expenses 2010: $3,813,2572010Expenses 2011: $3,054,6282011Expenses 2012: $2,749,6862012Revenue 2013: $2,772,976Expenses 2013: $2,755,972Net Income 2013: $17,0042013Revenue 2014: $2,539,170Expenses 2014: $2,532,946Net Income 2014: $6,2242014Revenue 2015: $2,359,551Expenses 2015: $2,288,861Net Income 2015: $70,6902015Revenue 2016: $2,388,822Expenses 2016: $2,042,408Net Income 2016: $346,4142016Revenue 2017: $2,748,556Expenses 2017: $1,962,696Net Income 2017: $785,8602017Revenue 2018: $2,531,784Expenses 2018: $1,881,322Net Income 2018: $650,4622018Revenue 2019: $2,599,766Expenses 2019: $1,977,950Net Income 2019: $621,8162019Revenue 2020: $1,724,918Expenses 2020: $1,635,239Net Income 2020: $89,6792020Revenue 2021: $1,589,092Expenses 2021: $1,392,060Net Income 2021: $197,0322021Revenue 2022: $2,332,693Expenses 2022: $1,400,734Net Income 2022: $931,9592022Revenue 2023: $4,170,205Expenses 2023: $1,357,771Net Income 2023: $2,812,4342023Revenue 2024: $4,122,161Expenses 2024: $1,634,537Net Income 2024: $2,487,6242024

Highlighted filing

2024

Revenue$4,122,161
Expenses$1,634,537
Net Income$2,487,624
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$73,795,802
Liabilities
$58,121,071
Net assets
$15,674,731
Revenue
$4,122,161
Expenses
$1,634,537
Net income
$2,487,624
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$73.8$58.1$15.7$4.12$1.63$2.49
2023Detailed filing. Detailed filing data is available for this year.$77.3$64.1$13.2$4.17$1.36$2.81
2022Detailed filing. Detailed filing data is available for this year.$79.8$69.5$10.4$2.33$1.40$0.93
2021Detailed filing. Detailed filing data is available for this year.$79.0$69.5$9.47$1.59$1.39$0.20
2020Detailed filing. Detailed filing data is available for this year.$77.0$67.8$9.28$1.72$1.64$0.09
2019Detailed filing. Detailed filing data is available for this year.$66.4$57.2$9.19$2.60$1.98$0.62
2018Detailed filing. Detailed filing data is available for this year.$65.7$57.2$8.56$2.53$1.88$0.65
2017Detailed filing. Detailed filing data is available for this year.$64.9$57.0$7.91$2.75$1.96$0.79
2016Detailed filing. Detailed filing data is available for this year.$62.7$55.5$7.27$2.39$2.04$0.35
2015Detailed filing. Detailed filing data is available for this year.$60.0$53.3$6.69$2.36$2.29$0.07
2014Detailed filing. Detailed filing data is available for this year.$58.6$52.0$6.62$2.54$2.53$0.01
2013Detailed filing. Detailed filing data is available for this year.$57.2$50.6$6.61$2.77$2.76$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$55.9$49.3$6.60$2.75
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.3$46.0$6.28$3.05
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.8$42.9$5.93$3.81
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.2
Gross Receipts
$4,122,161
Mission and Program Overview

Mission

To provide affordable financial services to its members, including loan relationships, depository services, credit cards and internet banking at convenient locations by professionals who provide excellent service.

The Credit Union provided affordable loans to 381 individuals during the year. Many of the individuals would not have been able to obtain such loans from other financial institutions. In addition, the Credit Union provided depository services to members and financial literacy presentations and services within various schools. The Credit Unions membership consists of primarily 1) All students and persons engaged in educational services in the Cities of Newport News, Williamsburg, and the counties of Isle of Wight, York, James City, Gloucester, and Mathews. Additionally, 2) all students enrolled in a college or university in the cities of Newport News, Hampton, and Williamsburg and alumni of such colleges and universities and 3) employees and students of Hampton University, 4) Un-married spouses of deceased members, 5) family members related by blood, marriage, or by law, 6) retirees of the above noted school systems, 7) any retired educator currently residing in the localities specified

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$28,456,011$31,769,887▲ $3,313,876
Savings and Temporary Cash Investments$37,846,474$31,503,954▼ $6,342,520
Rtn Earn Endowment Incm Other Fnds$13,173,470$15,674,731▲ $2,501,261
Land, Buildings, and Equipment, Net$781,644$740,831▼ $40,813
Accounts Receivable$559,792$659,818▲ $100,026
Prepaid Expenses and Deferred Charges$6,505$42,241▲ $35,736
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$77,278,452$73,795,802▼ $3,482,650
Other Assets Total$9,628,026$9,079,071▼ $548,955
Liabilities
Other Liabilities$63,799,737$57,880,723▼ $5,919,014
Accounts Payable and Accrued Expenses$305,245$240,348▼ $64,897
Total Liabilities$64,104,982$58,121,071▼ $5,983,911
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,173,470$15,674,731▲ $2,501,261
Total Liabilities and Net Assets / Fund Balance$77,278,452$73,795,802▼ $3,482,650

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$167,079$1,333,592$1,500,671
Buildings$46,497$773,761$820,258
Land$527,255-$527,255
Other Assets Org$589,988--
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Dr Anne EdisonChairperson
Reginald FoxVice-Chair
Carolyn ChittendenDirector
Doretha SpellsDirector
Dr Thomasena WoodsDirector
Lisa BooneDirector
Thomas Fisher JrDirector
Steven KanehlSecretary
Dennis JarrettTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$926,179
Investment Income
$3,202,777
Other Revenue
$-6,795
Change in Net Assets
$2,487,624
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,162,114
Salaries, Compensation, and Employee Benefits$472,423
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$430,655
Office Expenses---$212,144
Occupancy---$190,628
All Other Expenses---$78,702
Other Employee Benefits---$41,768
Other Expenses---$36,270
Travel---$11,699
Total Functional Expenses$0$0$0$1,634,537
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$57,880,723
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“NO FORMAL REVIEW”

Form 990, Part VI, Section C, Line 19

“AVAILABLE UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
Virginia Educators Credit Union
EIN
54-6038710
Phone
7579302425
Address
12626 NETTLES DRIVE, NEWPORT NEWS, VA 23606

Signing Officer

Name
Sharon Conti
Title
President & CEO
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Formed
1954
Legal Domicile
Va
Voting Board Members
9
Independent Board Members
9
Employees
14
Volunteers
12

Preparer

Firm
Boyce Spady & Moore Plc
Address
1013 W Washington Street, Suffolk, VA 23434
Preparer
Robert M Moore Jr
Phone
7575392953
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Unrealized holding gains = $13637”

Raw XML AppendixShowing 400 of 433 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleD/OtherAssetsOrgGrp/Desc5OTHER ASSETS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NO FORMAL REVIEW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AVAILABLE UPON REQUEST
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