Ratings & Certifications

CDFI Certification

Virginia Community Capital is certified as a Community Development Financial Institution from the U.S. Department of Treasury’s CDFI Fund. CDFIs are mission driven financial institutions dedicated to delivering responsible, affordable financing to help low-income and disadvantaged communities join the economic mainstream. CDFIs include regulated institutions such as community development banks and credit unions, and non-regulated institutions like loan and venture capital funds.

To remain certified as a CDFI, Virginia Community Capital must maintain the following:
• Have a primary mission of promoting community development
• Maintain accountability to its target market of a low income population in the Commonwealth of Virginia.
• Direct at least 60% of its financing towards its target market
• Provide development services in conjunction with financing

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Aeris provides a comprehensive, third-party assessment of community development financial institution (CDFI) loan funds, helping investors evaluate opportunities that meet their impact goals and risk parameters. Aeris has issued more than 500 CDFI ratings since 2004.

Impact Ratings assess the pursuit and achievement of social mission as evidenced by products and strategies, use of resources, and how impact is measured and informs the refinement of those products and strategies. The Aeris methodology can be applied to any type of mission-driven entity or fund.

Financial Ratings assess capitalization, asset quality, management, earnings, and liquidity—often referred to as a ‘CAMEL’ assessment. The Aeris methodology evaluates financial strength and risk in the context of the community finance sector, and does not use statistically-generated benchmarks due to the limited size of the sector, the wide variety of business models and operating environments.

Virginia Community Capital has been Aeris-rated since 2011. Our latest rating is three stars for impact and BBB+ for financial strength.

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B Corp

B Corps meet the highest standards of verified social and environmental performance, public transparency, and legal accountability, and aspire to use the power of markets to solve social and environmental problems.

Virginia Community Capital has been a certified B-Corp since 2012. Every two years, Virginia Community Capital undergoes a thorough examination to asses our impact in the following areas: Governance, Workers, Community, Environment, and Products & Services. B Corps must earn a minimum of 80 out of 200 points to become certified. Virginia Community Capital has scored 160 out of 200 points, earning a distinction as Best for the World Honoree, having earned an overall score in the top 10% of all Certified B Corporations.

Becoming a certified B Corporation is a natural part of the VCC evolution. Our service offerings and our capacity to create tangible, lasting impact have grown exponentially with the expansion of loan outreach and the introduction of savings and technical advisory services. All our efforts combine to promote the health of our collective social contract—a fundamental B Corp premise.

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