Credit Union of Richmond

Overview / Commentary
1601 Ownby Ln
Richmond, VA 23220-1318

Credit Union of Richmond is headquartered in Richmond and is the 56th largest credit union in the state of Virginia. It is also the 2,014th largest credit union in the nation. It was established in 1923 and as of September of 2019, it had grown to 20 employees and 6,410 members at 1 location. Credit Union of Richmond's CD rates are 68% 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.
See current membership details

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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

NCUA #66929
Year Chartered1923
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD0.79%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$67.5MM$72.6MM
LoansQ3 2019vs Q3 2018$37.5MM$35.6MM
DepositsQ3 2019vs Q3 2018$57.4MM$61.4MM
Equity CapitalQ3 2019vs Q3 2018$11.3MM$11.2MM
Loan Loss AllowanceQ3 2019vs Q3 2018$459.00K$249.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$888.00K$946.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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Credit Union of Richmond Savings Account Rates

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

2.38%$500-60 Month CD
2.17%$500-48 Month CD
2.02%$500-36 Month CD
1.76%$500-24 Month CD
1.51%$500-12 Month CD
1.46%$100k-12 Month Century CD
1.26%$50k-12 Month Jumbo CD
1.00%$500-6 Month CD

Credit Union of Richmond IRA Rates

2.38%$500-60 Month IRA
2.17%$500-48 Month IRA
2.02%$500-36 Month IRA
1.76%$500-24 Month IRA
1.51%$500-12 Month IRA
1.26%$50k-12 Month Jumbo IRA
1.00%$500-6 Month IRA

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

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