Virginia Educators Credit Union
EIN: 546038710 · Newport News, VA
| Metric | Value |
|---|---|
| Total Expenses | $2.7M |
| Net Assets | $6.6M |
Search Intent Cockpit
Virginia Educators Credit Union Form 990, Revenue, CEO Pay, and IRS Filing Signals
Virginia Educators Credit Union is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Virginia Educators Credit Union in one place.
Form 990 Filing Summary
2 filing years are available, with latest revenue of $3.1M and expenses of $2.7M.
Revenue and Expenses
Virginia Educators Credit Union reported $3.1M in revenue and $2.7M in expenses, a surplus of $317K.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
Mission score and red-flag review are shown when AI enrichment is available.
Is Virginia Educators Credit Union Legit?
Insufficient Data
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
IRS 990 Data Cockpit
Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
Functional expense detail is not available on the stored filing yet. Existing program percentage and future extracted expense fields will populate this panel.
Across stored filings, Virginia Educators Credit Union shows contribution history pending. Next enrichment targets: revenue-source fields, functional expense detail, IRS BMF classification, AI synthesis.
Decision Cockpit
One-Stop Donor, Research, and Peer Context Hub
| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Insufficient Data | Limited filing record; no red flags identified |
| Mission spend | Pending | Unknown |
| Financial durability | Grade A | 2 stored filing years |
| Peer context | Compare with Association Of Small Business Development Centers | Virginia and category context |
Trust Check
Review legitimacy, deductibility, red flags, and filing consistency.
Open charity check →Peer Benchmark
Compare against real state and category peers.
Compare with Association Of Small Business Development Centers →All Virginia nonprofits
Local and Sector Spokes
Move into this nonprofit's local market, category, and sector maps.
Newport News, VA nonprofitsFollow the Money
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State spending analysisState compensation analysis
Relevant rankings
Donation Decision Flow
From Trust Check to Better Alternatives
Verify
Insufficient Data. Check deductibility, filings, and red flags.
2Understand money
Use filing data to inspect spending as enrichment grows.
3Compare
Benchmark against Association Of Small Business Development Centers.
4Decide
Build a shortlist, compare alternatives, and review the latest filing before giving.
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Keep the Investigation Moving
About Virginia Educators Credit Union
Virginia Educators Credit Union (EIN: 546038710) is a nonprofit organization based in Newport News, VA. The organization reported total revenue of $0 and total assets of $0 according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Virginia Educators Credit Union's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Virginia Educators Credit Union is a mid-size nonprofit, with 2 years of IRS 990 filings on record (2011–2012). Revenue has grown at a compound annual rate of -10.3%.
Key Financial Metrics (2012)
From the most recent IRS 990 filing on record:
| Total Revenue | $3.1M |
| Total Expenses | $2.7M |
| Surplus / Deficit | +$317K |
| Total Assets | $55.9M |
| Total Liabilities | $49.3M |
| Net Assets | $6.6M |
| Operating Margin | 10.3% |
| Debt-to-Asset Ratio | 88.2% |
| Months of Reserves | 243.8 months |
Financial Health Grade: A
In 2012, Virginia Educators Credit Union reported a surplus of $317K with revenue exceeding expenses, holds 243.8 months of operating reserves (strong position), has a debt-to-asset ratio of 88.2% (high leverage).
Financial Trends
Over 2 years of filings (2011–2012), Virginia Educators Credit Union's revenue has declined at a compound annual growth rate (CAGR) of -10.3%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2012 | -10.3% | -10.0% | +6.8% |
AI Analysis Pending
AI enrichment for Virginia Educators Credit Union has not yet been completed. Basic IRS 990 data is shown below. Check back later for a full transparency report including a Mission Score, spending breakdown, executive compensation analysis, and red flags assessment.
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Virginia Educators Credit Union with a Mission Score of 0 out of 100 (Very Poor). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Key Financial Metrics (2012)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $317K, with revenue exceeding expenses.
- Debt-to-asset ratio: 88.2%.
Frequently Asked Questions about Virginia Educators Credit Union
Is Virginia Educators Credit Union a legitimate charity?
Virginia Educators Credit Union (EIN: 546038710) is a registered tax-exempt nonprofit based in Virginia. It has 2 years of IRS 990 filings on record. No red flags identified. Financial health grade: A.
How does Virginia Educators Credit Union spend its money?
Virginia Educators Credit Union reported its financials in IRS 990 filings. 2 years of filing data available. Revenue exceeded expenses in the most recent year. Review the full spending breakdown on NonprofitSpending.
Are donations to Virginia Educators Credit Union tax-deductible?
Virginia Educators Credit Union is registered as a tax-exempt nonprofit (EIN: 546038710). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is Virginia Educators Credit Union located?
Virginia Educators Credit Union is headquartered in Newport News, Virginia and files with the IRS under EIN 546038710.
How many years of IRS 990 filings does Virginia Educators Credit Union have?
Virginia Educators Credit Union has 2 years of IRS 990 filings on record at NonprofitSpending. Additional filing years may become available as the IRS releases new data.
Filing History
IRS 990 filing history for Virginia Educators Credit Union showing financial trends over 2 years of public records:
Over 2 years of IRS 990 filings (2011–2012), Virginia Educators Credit Union's revenue has declined by 10.3%, moving from $3.4M to $3.1M. Total assets increased by 6.8% over the same period, from $52.3M to $55.9M. Total functional expenses fell by 10%, from $3.1M to $2.7M. In its most recent filing year (2012), Virginia Educators Credit Union reported a surplus of $317K, with revenue exceeding expenses. The organization holds $49.3M in liabilities against $55.9M in assets (debt-to-asset ratio: 88.2%), resulting in net assets of $6.6M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2012 | $3.1M | $2.7M | $55.9M | $49.3M | — | View 990 |
| 2011 | $3.4M | $3.1M | $52.3M | $46.0M | — | View 990 |
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Virginia Educators Credit Union:
Data Sources and Methodology
This transparency report for Virginia Educators Credit Union is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.