Credit Union of Richmond


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

Credit Union of Richmond is headquartered in Richmond and is the 56th largest credit union in the state of Virginia. It is also the 1,982nd largest credit union in the nation. It was established in 1923 and as of June of 2019, it had grown to 17 employees and 6,703 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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Health
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
Employees17
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD2.71%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$70.4MM$73.1MM
LoansQ2 2019vs Q2 2018$37.9MM$34.4MM
DepositsQ2 2019vs Q2 2018$58.5MM$62.1MM
Equity CapitalQ2 2019vs Q2 2018$11.3MM$11.2MM
Loan Loss AllowanceQ2 2019vs Q2 2018$276.00K$176.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$938.00K$754.00K
Real Estate OwnedQ2 2019vs Q2 2018$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
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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

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