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Overview / Commentary
2811 Fendall Ave
Richmond, VA 23222

Tbc Credit Union is headquartered in Richmond and is the 165th largest credit union in the state of Virginia. It is also the 6,627th largest credit union in the nation. It was established in 1998 and as of December of 2013, it had grown to 148 members. Tbc Credit Union has a C+ health rating.

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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. Tbc Credit Union has a very 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 Tbc Credit Union had $0 in non-current loans and owned real-estate with $10,000 in equity and loan loss allowances on hand to cover it. This gives Tbc Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Tbc Credit Union has increased its total deposits by $8,000, resulting in 7.08% 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 Tbc 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. Tbc Credit Union has $130,000 in assets with $10,000 in equity, resulting in a capitalization level of 7.69%, which is below average.

Institution Statistics

NCUA #24616
Year Chartered1998
Primary Regulator
Assets and Liabilities
Equity Capital$9,000
Loan Loss Allowance$1,000
Real Estate Owned$0
Historic Data - December 2012
Equity Capital$14,000
Loan Loss Allowance$1,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin11.11%
Return on Assets-2.31%
Return on Equity-33.33%
Interest Income$6,000

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Tbc Credit Union Locations
Branch Office2811 Fendall AveRichmond, VA 23222
Branch Office2811 Fendall AveRichmond, VA 23222