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Overview / Commentary
4605 Commerce Rd
Richmond, VA 23234

Call Credit Union is headquartered in Richmond and is the 18st largest credit union in the state of Virginia. It is also the 626th largest credit union in the nation. It was established in 1962 and as of December of 2013, it had grown to 76 employees and 28,240 members. Call Credit Union's savings rates are 12X the national average, and it has a A health rating.

Field of Membership Restrictions

Call Federal Credit Union membership is open to anyone who lives, works (or regularly conducts business), worships, attends school, or volunteers in the counties of Chesterfield, Hanover, Henrico or the city of Richmond. - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Call Credit Union had $1.51 million in non-current loans and owned real-estate with $40.27 million in equity and loan loss allowances on hand to cover it. This gives Call Credit Union a Texas Ratio of 3.75% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Call Credit Union experienced no significant changes from 2.82% as of December 31, 2012 to 3.75% as of December 31, 2013, resulting in a negative change of 33.03%. This indicates that the balance sheet and financial strength for Call Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Call Credit Union has increased its total deposits by $2.59 million, resulting in 0.89% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Call Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Call Credit Union has $335.95 million in assets with $40.27 million in equity, resulting in a capitalization level of 11.99%, which is excellent.

Institution Statistics

NCUA #15209
Year Chartered1962
Primary Regulator
Assets and Liabilities
Assets$335.95 million
Loans$182.19 million
Deposits$295.29 million
Equity Capital$39.58 million
Loan Loss Allowance$683,000
Unbacked Noncurrent Loans$1.51 million
Real Estate Owned$0
Historic Data - December 2012
Assets$334.46 million
Equity Capital$40.92 million
Loan Loss Allowance$514,000
Unbacked Noncurrent Loans$1.51 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.24%
Return on Assets0.35%
Return on Equity2.98%
Interest Income$10.23 million

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Call Credit Union Savings Account Rates

6.00%-$1kHigh Yield Youth Savings
0.60%--IRA Account
0.60%--Roth IRA Account
0.60%--Coverdell IRA Account
0.25%$100-Share Savings

Call Credit Union Money Market Rates

0.50%$50k-Money Market Savings

Call Credit Union Checking Account Rates


Call Credit Union CD Rates

0.90%$1k-36 Month Share Certificate
0.70%$1k-24 Month Share Certificate
0.55%$1k-12 Month Share Certificate
0.30%$1k-6 Month Share Certificate

Call Credit Union IRA Rates

0.90%$1k-36 Month IRA Certificate (Traditional,Roth,CESA)
0.70%$1k-24 Month IRA Certificate (Traditional,Roth,CESA)
0.55%$1k-12 Month IRA Certificate (Traditional,Roth,CESA)
0.30%$1k-6 Month IRA Certificate (Traditional,Roth,CESA)

Call Credit Union Locations
Branch Office6603 W Broad StRichmond, VA 23230-1711
Branch Office9397 Atlee RdMechanicsville, VA 23116
Branch Office3660 Mayland CtRichmond, VA 23233-1409
Branch Office3640 Call Federal Dr Ste 100Midlothian, VA 23112-3457
Branch Office4605 Commerce RdRichmond, VA 23234-2233