Credit Union of Richmond Incorporated Richmond, Virginia
Credit Union of Richmond Incorporated is a state-chartered credit union headquartered in Richmond, VA, established in 1923 (NCUA charter 66929), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,908 members and total assets of $64.6M (down 4.7% from Q2 2025), the 55th largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 18.48% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66929
- Headquarters
- Richmond, VA
- Established
- 1923
- Total assets, Q2 2026
- $64.6M
- Assets vs Q2 2025
- -4.7%
- Members, Q2 2026
- 3,908
- Net worth ratio, Q2 2026
- 18.48%
- Latest call report
- Q2 2026, NCUA 5300 · Credit Union of Richmond Incorporated call report
- Asset rank in state
- 55th of 94 in Virginia
- Routing number
- 251082466
- Branches
- 1
It has 589 fewer members than on June 30, 2025 (-13.1%). Its net worth ratio was down 0.37 percentage points from 18.85% on June 30, 2025. Used vehicle loans are its largest loan category, $7.3M of $17.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.69% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 18.48% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Virginia
Frequently asked about Credit Union of Richmond Incorporated
How big is Credit Union of Richmond Incorporated?
At Q2 2026 it reported total assets of $64.6M and 3,908 members.
Where is Credit Union of Richmond Incorporated headquartered?
It is headquartered in Richmond, VA, United States.
When was Credit Union of Richmond Incorporated founded?
It was established in 1923, per NCUA records.
Is Credit Union of Richmond Incorporated FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66929): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Credit Union of Richmond Incorporated?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Credit Union of Richmond Incorporated well capitalized?
Its net worth ratio was 18.48% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Credit Union of Richmond Incorporated's delinquency ratio?
Its delinquency ratio was 0.69% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Credit Union of Richmond Incorporated's loan-to-share ratio?
Its loan-to-share ratio was 31.98% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Richmond, VA 23220
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1923
- NCUA Charter #
- 66929
- RSSD ID
- 39895
- Members
- 3,908
- Potential members
- 1,370,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.48% | 14.31% | 71st above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 2.48% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 13.41% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.90% | 3.93% | 49th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 68.93% | 79.83% | 73rd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.62% | 0.78% | 60th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.69% | 0.86% | 58th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.52% | 4.70% | 41st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 31.98% | 58.92% | 13th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$64.6M total assets against $67.8M; $53.7M total shares and deposits against $55.9M; $17.2M total loans against $20.4M.
$11.9M net worth against $12.8M.
18.48% net worth ratio against 18.85%.
31.98% loan-to-share ratio against 36.53%.
0.69% delinquency ratio against 1.08%.
2.48% return on assets against 0.27%; 13.41% return on equity against 1.46%.
3.90% net interest margin against 3.68%.
3,908 members against 4,497.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.48% | 2.48% | 0.69% | 31.98% |
| March 31, 2026 | 17.91% | -0.21% | 0.71% | 33.30% |
| December 31, 2025 | 17.35% | -7.39% | 0.48% | 34.52% |
| September 30, 2025 | 18.98% | 0.39% | 0.38% | 36.32% |
| June 30, 2025 | 18.85% | 0.27% | 1.08% | 36.53% |
| March 31, 2025 | 18.72% | -0.34% | 0.69% | 38.42% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.