State credit union · Richmond, Virginia · NCUA charter #66899
Richmond Virginia Fire Police Credi
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $21.8M
- Total assets
- 1,685
- Members
- 10.5%
- Net-worth ratio
Richmond Virginia Fire Police Credi - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #66899 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Richmond Virginia Fire Police Credi - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)96
- Earnings (ROA)100
- Member growth35
- Liquidity (loan-to-share)82
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.49% | 30% |
| Delinquency Rate | 0.59% | 25% |
| Return on Assets | 1.47% | 15% |
| Member Growth | -2.09% | 15% |
| Loan-to-Share Ratio | 57.94% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $21.8M | 1,685 |
| 2024Q4 | $20.5M | 1,721 |
| 2023Q4 | $20.0M | 1,758 |
Credit Union Details
- Charter Number
- 66899
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Virginia
- City
- Richmond
- Data Quarter
- 2025Q4
What This Data Says About Richmond Virginia Fire Police Credi
1,685 members and $21.8M in total assets sit behind Richmond Virginia Fire Police Credi, a state credit union in Richmond, Virginia, which posts a health score of 87/100 (Excellent) on the five-factor composite, with $10.8M in outstanding loans as of Q4 2025 and a net worth ratio of 10.49% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #66899 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.59% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 57.94% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.47% on net income of $322K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.09%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Virginia
A look at other Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Richmond Virginia Fire Police Credi financially healthy?
Richmond Virginia Fire Police Credi scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.49% net worth ratio and a 0.59% delinquency rate.
How does Richmond Virginia Fire Police Credi compare to other credit unions?
87/100 is Richmond Virginia Fire Police Credi's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Richmond Virginia Fire Police Credi?
Membership eligibility for Richmond Virginia Fire Police Credi depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Richmond Virginia Fire Police Credi directly for current membership requirements and application steps.
Is my money safe at Richmond Virginia Fire Police Credi?
Federal credit unions like Richmond Virginia Fire Police Credi 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. Richmond Virginia Fire Police Credi's net worth ratio of 10.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Richmond Virginia Fire Police Credi offer compared to banks?
Credit unions like Richmond Virginia Fire Police Credi 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 Richmond Virginia Fire Police Credi directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.