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Letter portraitLegal landscapeQuarterYTD

Richmond Virginia Fire Police Credi

Richmond, VA · Charter 66899

NCUA · 2 branches

Q2 2026

$21.2MAssets
$11.0MLoans
$17.6MShares
$3.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.36%, up 10 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 0.55% of loans (-19 bps YoY).
  • Capital: net worth / assets of 15.43%, up 148 bps from a year ago.
  • Funding: loans stand at 62.53% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.36%+10 bps YoY

Net Interest Margin (quarter, annualized)

4.94%+33 bps YoY

Efficiency Ratio (quarter, annualized)

76.03%-39 bps YoY

Net Worth / Assets

15.43%+148 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.72%1.57%1.28%1.25%1.44%1.41%1.25%1.36%+10 bps
Return on Equity12.71%11.27%9.27%8.98%10.13%9.85%8.75%8.79%-19 bps
Net Interest Margin4.25%4.48%4.62%4.61%4.64%4.70%4.68%4.94%+33 bps
Efficiency Ratio78.45%77.77%76.96%76.42%73.36%74.25%76.85%76.03%-39 bps
Growth
Asset Growth (YoY)2.28%2.45%3.81%6.01%3.24%6.61%5.46%-1.16%-717 bps
Loan Growth (YoY)6.22%4.68%5.04%11.14%7.86%8.22%6.00%1.91%-924 bps
Share Growth (YoY)1.00%0.98%2.69%5.22%2.11%5.85%4.09%-3.50%-872 bps
Asset Quality
Delinquent Loans / Loans1.14%1.07%0.78%0.73%0.66%0.59%0.47%0.55%-19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.55%13.94%13.81%13.95%14.25%14.30%14.31%15.43%+148 bps
Net Worth / Assets13.55%13.94%13.81%13.95%14.25%14.30%14.31%15.43%+148 bps
Liquidity & Funding
Loans / Shares55.56%56.67%55.52%59.21%58.69%57.94%56.53%62.53%+332 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps