Credit Union Safety Analysis
Is Credit Union of Richmond Incorporated Safe? Richmond, Virginia
Based on its Q2 2026 NCUA 5300 call report, Credit Union of Richmond Incorporated has a net worth ratio of 18.48%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.69%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Credit Union of Richmond Incorporated's net worth ratio is 18.48%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.48%
- Delinquency ratio (60+ days) (Q2 2026): 0.69%
- Return on assets (Q2 2026): 2.48%
- Loan-to-share ratio (Q2 2026): 31.98%
Credit Union of Richmond Incorporated (NCUA charter 66929, established 1923) reported $64.6M in assets and 3,908 members for Q2 2026 from Richmond, Virginia. It ranks 55 of 94 credit unions in Virginia by total assets. Total assets fell 4.7% from $67.8M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 17.91% for Q1 2026; 18.85% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.71% for Q1 2026; 1.08% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.21% for Q1 2026; 0.27% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 33.30% for Q1 2026; 36.53% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $7.3M
- 1- to 4-family residential and other consumer real estate loans: $4.1M
- New vehicle loans: $2.3M
- Unsecured credit card loans: $1.8M
- Other unsecured loans and lines of credit: $1.4M
- Other secured non-real estate loans and lines of credit: $361K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $64.6M | 18.48% | 0.69% | 2.48% | 31.98% |
| March 31, 2026 | $65.2M | 17.91% | 0.71% | -0.21% | 33.30% |
| December 31, 2025 | $66.7M | 17.35% | 0.48% | -7.39% | 34.52% |
| September 30, 2025 | $67.7M | 18.98% | 0.38% | 0.39% | 36.32% |
| June 30, 2025 | $67.8M | 18.85% | 1.08% | 0.27% | 36.53% |
| March 31, 2025 | $68.0M | 18.72% | 0.69% | -0.34% | 38.42% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Credit Union of Richmond Incorporated profile
Regulator records: NCUA credit union profile (charter 66929) · FFIEC NIC profile (RSSD 39895)
Frequently asked questions
Is Credit Union of Richmond Incorporated well capitalized?
On its Q2 2026 NCUA 5300 call report, Credit Union of Richmond Incorporated's net worth ratio is 18.48%, above the 7% NCUA threshold for well capitalized.
Is Credit Union of Richmond Incorporated FDIC insured?
No. The FDIC insures banks, not credit unions. Credit Union of Richmond Incorporated is a federally insured credit union (NCUA charter 66929): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Credit Union of Richmond Incorporated's key safety ratios?
For Q2 2026, Credit Union of Richmond Incorporated reports net worth 18.48%, delinquency 0.69%, ROA 2.48%, loan-to-share 31.98%.
What happens to my money if Credit Union of Richmond Incorporated fails?
For Q2 2026, Credit Union of Richmond Incorporated held $53.7M in shares and deposits for 3,908 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.