CREDIT UNION OF RICHMOND INCORPORAT
Charter #66929 · Richmond, VA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.91% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.21% sits at the 15th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 37th percentile but its structural peers at the 62nd — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CREDIT UNION OF RICHMOND INCORPORAT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $65.22M | 37th pct | 62th pct |
| Members | 4,008 | 28th pct | 52th pct |
| Net worth ratio | 17.91% | 85th pct | 84th pct |
| Return on average assets | -0.21% | 10th pct | 15th pct |
| Net interest margin | 3.59% | 43th pct | 46th pct |
| Cost of funds | 0.61% | 28th pct | 43th pct |
| Loan-to-share | 33.30% | 8th pct | 28th pct |
| Delinquency 60+ days | 0.71% | 55th pct | 46th pct |
| Net charge-off ratio | 0.28% | 53th pct | 34th pct |
| Loan growth YoY | -9.62% | 3th pct | 8th pct |
| Share growth YoY | -1.44% | 9th pct | 13th pct |
| Efficiency ratio | 86.41% | 70th pct | 59th pct |
structural peer set hash: 2b9ca5a2a0c3621b470e23db9673f5d0… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.