2. Credit Union of Richmond

Credit Union of Richmond


Overview / Commentary
curich.org
804-355-9684
1601 Ownby Ln
Richmond, VA 23220

Credit Union of Richmond is headquartered in Richmond and is the 57th largest credit union in the state of Virginia. It is also the 1,947th largest credit union in the nation. It was established in 1923 and as of December of 2018, it had grown to 19 employees and 6,907 members at 1 location. Credit Union of Richmond's CD rates are 62% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in the city of Richmond, Virgina, and to employees of and retirees of the Richmond Virginia area Post Offices serving specific zip codes. Membership is also open to employees of Architectural Hardware, Inc., Paul D. Harvey, DDS, Northern Appraisal Group of Virginia, and over 20 other area employee groups.
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Health
B

Data as of Q4 2018

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Credit Union of Richmond has a relatively low asset base.

Health Grade Components

Overall
NCUA #66929
Year Chartered1923
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD2.2%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$71.0MM$74.0MM
LoansQ4 2018vs Q4 2017$36.3MM$34.0MM
DepositsQ4 2018vs Q4 2017$60.0MM$63.0MM
Equity CapitalQ4 2018vs Q4 2017$11.5MM$11.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$274.00K$167.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.0MM$911.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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Credit Union of Richmond Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$5-Share Savings
0.20%$100-Traditional IRA
0.20%$5-Kids Club
0.20%$5-Teen Club
0.20%$5-Trust Savings
0.20%$5-Custodian Savings
0.10%$100-Christmas Club

Credit Union of Richmond CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.96%$500-60 Month CD
1.76%$500-48 Month CD
1.51%$500-36 Month CD
1.46%$100k-12 Month Century CD
1.26%$500-24 Month CD
1.26%$50k-12 Month Jumbo CD
1.00%$500-12 Month CD
0.65%$500-6 Month CD

Credit Union of Richmond IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.96%$500-60 Month IRA
1.76%$500-48 Month IRA
1.51%$500-36 Month IRA
1.26%$500-24 Month IRA
1.26%$50k-12 Month Jumbo IRA
1.00%$500-12 Month IRA
0.65%$500-6 Month IRA
Locations


Credit Union of Richmond Locations
Branch Office1601 Ownby LnRichmond, VA 23220

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