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
- RANK 75/100
- PHOTO 17.9%
- BOOK 0.48%
- CHARTER 0.20%
- NCUSIF $66.7M
- CAMELS 4,201
- HEALTH #3,241/4,374
- NW Moline Municipal
- DELQ 66929
Call Report peers
Credit Union of Richmond Incorporat in the assets neighbourhood
Credit Union of Richmond Incorporat's $66.7M assets sit next to Moline Municipal ($66.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Credit Union of Richmond Incorporat - Share Insurance Coverage
Charter #66929's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Credit Union of Richmond Incorporat: 2025Q4 → 2026Q1
Credit Union of Richmond Incorporat: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.2% from $66.7M (2025Q4) to $65.2M (2026Q1).
- Net-worth ratio shifted +0.56 pp (17.35% → 17.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for Credit Union of Richmond Incorporat, both outside Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($66.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
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.
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Credit Union of Richmond Incorporat financially healthy?
Credit Union of Richmond Incorporat scores 75/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,241 of 4,374; by total assets it ranks #2,177 of 4,374 nationally (same basis as /rankings/largest); and #56 of 95 within Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 17.91% net worth ratio and a 0.48% delinquency rate.
How does Credit Union of Richmond Incorporat compare to other credit unions?
Five weighted metrics from NCUA filings produce Credit Union of Richmond Incorporat's 75/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Credit Union of Richmond Incorporat are 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."
What rates does Credit Union of Richmond Incorporat offer compared to banks?
Credit unions like Credit Union of Richmond Incorporat are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Credit Union of Richmond Incorporat directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.