State credit union · Richmond, Virginia · NCUA charter #66929
Credit Union of Richmond Incorporat
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $66.7M
- Total assets
- 4,201
- Members
- 17.9%
- Net-worth ratio
Credit Union of Richmond Incorporat scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $66.7M; members 4,201; net-worth ratio 17.91%; health rank #3,241 of 4,374; healthier than 24th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,241 of 4,374 health · 2025Q4Credit Union · health 75/100 · $66.7M · 2025Q4
Call Report peers
Credit Union of Richmond Incorporat in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Credit Union of Richmond Incorporat vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Credit Union of Richmond Incorporat sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Credit Union of Richmond Incorporat: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 17.91% vs peer 13.62% (+4.29 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -28.08 pp (34.52% vs 62.60%).
Virginia standing for Credit Union of Richmond Incorporat
- Health composite ranks #64 of 95 among scored Virginia credit unions.
- By total assets, Credit Union of Richmond Incorporat is #56 of 95 in Virginia.
- Membership ranks #57 of 95 among Virginia CUs with a reported count (4,201 members).
- One place up in Virginia, PENTAGON (#63) scores 76/100, 1 point higher; one place down, Newport News Mun. Emp Credit Union (#65) scores 74/100, 1 point lower.
Credit Union of Richmond Incorporat: 2025Q4 → 2026Q1
Credit Union of Richmond Incorporat: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.2% from $66.7M (2025Q4) to $65.2M (2026Q1).
- Net-worth ratio shifted +0.56 pp (17.35% → 17.91%).
17.91% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
Credit Union of Richmond Incorporat gives up 25 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.5 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.5 pts
Credit Union of Richmond Incorporat vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.91% | +4.29 pp |
| Delinquency Rate | 0.48% | -0.48 pp |
| Return on Assets | 0.20% | -0.46 pp |
| Member Growth | -14.51% | - |
| Loan-to-Share Ratio | 34.52% | -28.08 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Credit Union of Richmond Incorporat
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $65.2M | - |
| 2025Q4 | $66.7M | 4,201 |
| 2024Q4 | $65.7M | 4,914 |
| 2023Q4 | $65.8M | 5,100 |
Credit Union Details
- Charter Number
- 66929
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Virginia
- City
- Richmond
- Data Quarter
- 2025Q4
Branch Location
Credit Union of Richmond Incorporat operates a single office in Richmond, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main office (Main Office) | Richmond, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
- NORTHERN STAR CREDIT UNION, INC.Portsmouth, VA · $50M–$100M81Health
- LOUDOUN CREDIT UNIONLeesburg, VA · $50M–$100M71Health
- VIRGINIA EDUCATORS CREDIT UNIONNewport News, VA · $50M–$100M77Health
- KEMBA ROANOKESALEM, VA · $50M–$100M70Health
- RVA FINANCIALRichmond, VA · $50M–$100M92Health
Compare Credit Union of Richmond Incorporat vs NORTHERN STAR CREDIT UNION, INC.
Nationwide credit unions with similar profiles
Using this data
- Credit Union of Richmond Incorporat ranks #3,241 of 4,374 nationally on financial health and #64 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northern Star Credit Union, Inc. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northern Star Credit Union, Inc.
Frequently Asked Questions
Is Credit Union of Richmond Incorporat financially healthy?
On its 2025Q4 NCUA 5300 filing, Credit Union of Richmond Incorporat scores 75/100 (Very Good), with a 17.91% net worth ratio and 0.48% of loans delinquent. It ranks #3,241 of 4,374 nationally on health and #64 of 95 in Virginia.
How does Credit Union of Richmond Incorporat compare to other credit unions?
Credit Union of Richmond Incorporat scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (17.91% vs 13.62%). Its widest shortfall is loan-to-share ratio (34.52% vs 62.60%).
How can I join Credit Union of Richmond Incorporat?
Membership eligibility for Credit Union of Richmond Incorporat depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Credit Union of Richmond Incorporat directly for current membership requirements and application steps.
Is my money safe at Credit Union of Richmond Incorporat?
Credit Union of Richmond Incorporat is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Credit Union of Richmond Incorporat's net worth ratio of 17.91% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.