Rva Financial
Richmond, VA · Charter 6878 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)
NCUA · 2 branches
Q2 2026
$82.7MAssets
$54.0MLoans
$73.1MShares
$10.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 94% of credit unions under $1B in assets in the Richmond, VA area (rank 1 of 16).
- Widest gap: net interest margin trails 62% of credit unions under $1B in assets in the Richmond, VA area (rank 10 of 16).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.27%
Rank 2 of 16
Net Interest Margin
3.69%
Rank 10 of 16
Efficiency Ratio
78.57%
Rank 9 of 16
Equity / Assets
12.18%
Rank 7 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.27% | 0.51% | 0.86% | 1.14% | Beats 88% | 2 / 16 | | |
| Return on Equity | 18.66% | 2.74% | 6.89% | 10.47% | Beats 94% | 1 / 16 | | |
| Net Interest Margin | 3.69% | 3.59% | 3.78% | 5.26% | Beats 38% | 10 / 16 | | |
| Efficiency Ratio | 78.57% | 72.78% | 78.57% | 80.89% | Beats 50% | 9 / 16 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.42% | 0.60% | 1.42% | 1.93% | Beats 50% | 9 / 16 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.18% | 10.18% | 10.87% | 18.48% | Beats 56% | 7 / 16 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.18% | 10.18% | 10.87% | 18.48% | Beats 56% | 7 / 16 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.90% | 55.40% | 64.78% | 71.88% | 81st pctl | 3 / 16 | | |
| Loans / Assets | 65.28% | 48.81% | 51.73% | 64.39% | 81st pctl | 3 / 16 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |