RVA FINANCIAL
Charter #6878 · Richmond, VA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 10,471 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.67% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.43% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.08% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 52nd — a 19-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 | RVA FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $81.71M | 71th pct | 52th pct |
| Members | 10,471 | 96th pct | 87th pct |
| Net worth ratio | 11.60% | 37th pct | 54th pct |
| Return on average assets | 1.67% | 89th pct | 97th pct |
| Net interest margin | 3.75% | 52th pct | 41th pct |
| Cost of funds | 1.03% | 58th pct | 51th pct |
| Loan-to-share | 74.39% | 76th pct | 67th pct |
| Delinquency 60+ days | 1.43% | 85th pct | 80th pct |
| Net charge-off ratio | -0.08% | 5th pct | 3th pct |
| Loan growth YoY | 1.17% | 72th pct | 67th pct |
| Share growth YoY | 8.96% | 94th pct | 97th pct |
| Efficiency ratio | 85.90% | 69th pct | 64th pct |
structural peer set hash: c76704bf8b248885266b2b180dbb4638… (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.