Credit union · NCUA insured
VCCU
A $44.7M credit union headquartered in Virginia, MN, with 2,784 members and 1 branch in Minnesota.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About VCCU
Established in 1937 in Virginia, Minnesota, Virginia Coop Credit Union is a member-owned financial cooperative.
Founded to promote thrift and create legitimate credit, it expanded membership to Lake Country Power in 1997 and incorporated Vermillion Financial Services in 1999.
- Headquarters
- 811 4th St N, Virginia, MN 55792
- NCUA charter
- 63965
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members and employees of cooperatives located in Virginia, Minnesota, and employees of the Credit Union.
- Membership is open to members of Lake Country Power, a member-owned utility.
Family and household
- Spouses of regularly qualified members, blood or adoptive relatives of either of them, and their spouses are eligible for membership.
- The surviving spouse of a regularly qualified member, and blood or adoptive relatives of either of them and their spouses may become members.
Cost to join
- Membership requires purchasing a $5.00 share in the Credit Union.
Branches
1 branch in Minnesota
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Minnesota
1 branch
- Virginia Co-Op Credit UnionMain office811 4th St N, Virginia, MN 55792Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.55% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.86% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.53% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $56 | $59 | — |
- CapitalNet worth ratio11.55%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.86%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.53%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$56Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of VCCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.