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Credit Union of Richmond Incorporat

Richmond, VA · Charter 66929

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Richmond, VA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Richmond, VA area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

75

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

56

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Credit Union of Richmond Incorporat

Richmond, VA · Charter 66929

NCUA · 1 branch

Q2 2026

$64.6MAssets
$17.2MLoans
$53.7MShares
$11.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.13%, up 117 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.69% of loans (-39 bps YoY).
  • Capital: net worth / assets of 18.48%, down 38 bps from a year ago.
  • Funding: loans stand at 31.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%+117 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+11 bps YoY

Efficiency Ratio (YTD, annualized)

77.37%-1,896 bps YoY

Net Worth / Assets

18.48%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.03%0.11%-1.77%-0.21%1.13%+117 bps
Return on Equity-0.17%0.56%-10.18%-1.16%6.14%+631 bps
Net Interest Margin3.67%3.72%3.77%3.63%3.78%+11 bps
Efficiency Ratio96.33%93.90%129.26%86.41%77.37%-1,896 bps
Growth
Asset Growth (YoY)4.80%4.25%1.57%-4.11%-4.70%-950 bps
Loan Growth (YoY)-18.30%-18.08%-17.90%-15.83%-15.87%+243 bps
Share Growth (YoY)2.11%3.84%3.79%-2.89%-3.92%-603 bps
Asset Quality
Delinquent Loans / Loans1.08%0.38%0.48%0.71%0.69%-39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.86%19.00%17.35%17.91%18.48%-38 bps
Net Worth / Assets18.86%19.00%17.35%17.91%18.48%-38 bps
Liquidity & Funding
Loans / Shares36.53%36.32%34.52%33.30%31.98%-454 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Credit Union of Richmond Incorporat

Richmond, VA · Charter 66929 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)

NCUA · 1 branch

Q2 2026

$64.6MAssets
$17.2MLoans
$53.7MShares
$11.9MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 75% of credit unions under $1B in assets in the Richmond, VA area (rank 4 of 16).
  • Widest gap: return on equity trails 56% of credit unions under $1B in assets in the Richmond, VA area (rank 9 of 16).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.13%

Rank 5 of 16

Net Interest Margin

3.78%

Rank 8 of 16

Efficiency Ratio

77.34%

Rank 8 of 16

Equity / Assets

18.48%

Rank 4 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.51%0.86%1.14%Beats 69%5 / 16
Return on Equity6.13%2.74%6.89%10.47%Beats 44%9 / 16
Net Interest Margin3.78%3.59%3.78%5.26%Beats 50%8 / 16
Efficiency Ratio77.34%72.78%78.57%80.89%Beats 56%8 / 16
Asset Quality
Nonperforming Loans / Loans0.69%0.60%1.42%1.93%Beats 69%6 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.48%10.18%10.87%18.48%Beats 75%4 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets18.48%10.18%10.87%18.48%Beats 75%4 / 16
Liquidity & Funding
Loans / Deposits31.98%55.40%64.78%71.88%0th pctl16 / 16
Loans / Assets26.59%48.81%51.73%64.39%6th pctl15 / 16
Brokered Deposits / Depositsn/aNot reported for this institution