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Overview / Commentary
1801 Dabney Rd
Richmond, VA 23230

Entrust Financial Credit Union is headquartered in Richmond and is the 55th largest credit union in the state of Virginia. It is also the 1,835th largest credit union in the nation. It was established in 1970 and as of December of 2013, it had grown to 20 employees and 9,899 members. Entrust Financial Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership consists of churches and Christian-based organizations in the Richmond and surrounding area. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Entrust Financial Credit Union has a relatively low asset base.

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 Entrust Financial Credit Union had $101,000 in non-current loans and owned real-estate with $5.74 million in equity and loan loss allowances on hand to cover it. This gives Entrust Financial Credit Union a Texas Ratio of 1.76% 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 Entrust Financial Credit Union decreased dramatically from 7.79% as of December 31, 2012 to 1.76% as of December 31, 2013, resulting in a positive change of 77.44%.This indicates that the balance sheet and financial strength for Entrust Financial Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Entrust Financial Credit Union has increased its total deposits by $2.18 million, resulting in 3.4% 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 Entrust Financial Credit Union has shown is excellent.



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. Entrust Financial Credit Union has $72.28 million in assets with $5.74 million in equity, resulting in a capitalization level of 7.95%, which is below average.

Institution Statistics

NCUA #68612
Year Chartered1970
Primary Regulator
Assets and Liabilities
Assets$72.29 million
Loans$33.30 million
Deposits$66.38 million
Equity Capital$5.55 million
Loan Loss Allowance$193,000
Unbacked Noncurrent Loans$101,000
Real Estate Owned$0
Historic Data - December 2012
Assets$70.12 million
Equity Capital$5.40 million
Loan Loss Allowance$294,000
Unbacked Noncurrent Loans$101,000
Real Estate Owned$88,000
Profit Margin - Quarterly
Net Interest Margin5.34%
Return on Assets0.36%
Return on Equity4.66%
Interest Income$2.24 million

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Entrust Financial Credit Union Savings Account Rates

0.30%--Christmas Club
0.15%--Regular Shares
0.15%--Special Shares
0.15%--Special Clubs

Entrust Financial Credit Union Money Market Rates

0.25%$100k-Money Market Account

Entrust Financial Credit Union Checking Account Rates

0.05%--Bonus Checking

Entrust Financial Credit Union CD Rates

1.31%$97k-60 Month Jumbo CD
1.26%$500-60 Month Certificate
0.95%$97k-36 Month Jumbo CD
0.85%$500-36 Month Certificate
0.75%$97k-24 Month Jumbo CD
0.65%$500-24 Month Certificate
0.65%$97k-18 Month Jumbo CD
0.60%$97k-12 Month Jumbo CD
0.55%$500-18 Month Certificate
0.50%$500-12 Month Certificate
0.40%$97k-6 Month Jumbo CD
0.30%$500-6 Month Certificate

Entrust Financial Credit Union Locations
Branch Office1801 Dabney RdRichmond, VA 23230