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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.51% | 0.86% | 1.14% | Beats 69% | 5 / 16 | | |
| Return on Equity | 6.13% | 2.74% | 6.89% | 10.47% | Beats 44% | 9 / 16 | | |
| Net Interest Margin | 3.78% | 3.59% | 3.78% | 5.26% | Beats 50% | 8 / 16 | | |
| Efficiency Ratio | 77.34% | 72.78% | 78.57% | 80.89% | Beats 56% | 8 / 16 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.60% | 1.42% | 1.93% | Beats 69% | 6 / 16 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.48% | 10.18% | 10.87% | 18.48% | Beats 75% | 4 / 16 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.48% | 10.18% | 10.87% | 18.48% | Beats 75% | 4 / 16 | | |
| Liquidity & Funding |
| Loans / Deposits | 31.98% | 55.40% | 64.78% | 71.88% | 0th pctl | 16 / 16 | | |
| Loans / Assets | 26.59% | 48.81% | 51.73% | 64.39% | 6th pctl | 15 / 16 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |