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Overview / Commentary
4605 Commerce Rd
Richmond, VA 23234-2233

Call Credit Union is headquartered in Richmond and is the 18st largest credit union in the state of Virginia. It is also the 603rd largest credit union in the nation. It was established in 1962 and as of March of 2014, it had grown to 74 employees and 28,437 members. Call Credit Union 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 Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Call Credit Union had $1.36 million in non-current loans and owned real-estate with $40.82 million in equity and loan loss allowances on hand to cover it. This gives Call Credit Union a Texas Ratio of 3.34% 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 decreased slightly from 3.77% as of March 31, 2013 to 3.34% as of March 31, 2014, resulting in a positive change of 11.54%.This indicates that the balance sheet and financial strength for Call Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Call Credit Union has increased its total deposits by $3.51 million, resulting in 1.11% 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 $360.3 million in assets with $40.82 million in equity, resulting in a capitalization level of 11.33%, which is excellent.

Institution Statistics

NCUA #15209
Year Chartered1962
Primary Regulator
Assets and Liabilities
Assets$360.30 million
Loans$187.85 million
Deposits$319.57 million
Equity Capital$40.15 million
Loan Loss Allowance$671,000
Unbacked Noncurrent Loans$1.36 million
Real Estate Owned$0
Historic Data - March 2013
Assets$357.77 million
Equity Capital$40.99 million
Loan Loss Allowance$450,000
Unbacked Noncurrent Loans$1.36 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.53%
Return on Equity4.75%
Interest Income$2.60 million

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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