State credit union · Richmond, Virginia · NCUA charter #66899
Richmond Virginia Fire Police Credi
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $21.8M
- Total assets
- 1,685
- Members
- 14.3%
- Net-worth ratio
Richmond Virginia Fire Police Credi scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.8M; members 1,685; net-worth ratio 14.31%; health rank #1,613 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,613 of 4,374 health · 2025Q4Richmond Virginia Fire Poli… · health 87/100 · $21.8M · 2025Q4
- ROA 87/100
- ASSETS 14.3%
- MEM 0.59%
- RANK 1.47%
- PHOTO $21.8M
- BOOK 1,685
- CHARTER #1,613/4,374
- NCUSIF FARMERS
- CAMELS 66899
Call Report peers
Richmond Virginia Fire Police Credi in the assets neighbourhood
Richmond Virginia Fire Police Credi's $21.8M assets sit next to FARMERS ($21.8M) 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.
Richmond Virginia Fire Police Credi 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
87 Top 40% higher than 60% 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
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.
Where Richmond Virginia Fire Police Credi diverges from peer averages
- Return on Assets leads the peer set - 1.47% here, 0.70% peer average (+0.77 pp).
- Loan-to-Share Ratio trails the peer set - 57.94% here, 59.80% peer average (-1.86 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Richmond Virginia Fire Police Credi in Virginia
- In Virginia, health place is #27 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #69 of 95 inside Virginia ($21.8M reported).
- Virginia membership ordinal: #73 of 95.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Richmond Virginia Fire Police Credi Call Report trajectory
Richmond Virginia Fire Police Credi: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $21.8M (2025Q4) to $22.3M (2026Q1).
- Net-worth ratio shifted +0.01 pp (14.30% → 14.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.31% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.1 pts
- Return on Assets 15.0 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 12.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.31% | -0.55 pp |
| Delinquency Rate | 0.59% | -0.55 pp |
| Return on Assets | 1.47% | +0.77 pp |
| Member Growth | -2.09% | - |
| Loan-to-Share Ratio | 57.94% | -1.86 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.3M | - |
| 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
Branch Locations (2)
Richmond Virginia Fire Police Credi operates 2 offices in Richmond, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| City of Richmond VA Fire Station # 10 (Main Office) | Richmond, VA |
| Richmond Virginia Fire Police Credit Union Inc. | Richmond, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Richmond Virginia Fire Police Credi's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($21.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Richmond Virginia Fire Police Credi ranks #1,613 of 4,374 nationally on financial health and #27 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- STRATEGIC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with STRATEGIC
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,613 of 4,374; by total assets it ranks #3,086 of 4,374 nationally (same basis as /rankings/largest); and #69 of 95 within Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.31% 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 14.31% 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.
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.