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  <element id="vyfc_FinancingReceivablesIndividuallyAndCollectivelyEvaluatedForImpairmentTableTextBlock" name="FinancingReceivablesIndividuallyAndCollectivelyEvaluatedForImpairmentTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
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  <element id="vyfc_DecreaseInReserveRequirementForHistoricalValuationSectionOfAllowance" name="DecreaseInReserveRequirementForHistoricalValuationSectionOfAllowance" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
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</schema>
