First NRV Federal Credit Union

Overview / Commentary

540-639-0885

900 W Main St
Radford, VA 24141-1597

First NRV Federal Credit Union is headquartered in Radford and is the 71^st largest credit union in the state of Virginia. It is also the 3,066^th largest credit union in the nation. It was established in 1937 and as of September of 2019, it had grown to 7 employees and 2,687 members at 2 locations. First NRV Federal Credit Union's CD rates are 96% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership with First NRV Federal Credit Union is open to those who attend school, worship, work and live in Carroll, Floyd, Pulaski and Wythe County or the cities of Galax and Radford.
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Health

Data as of Q3 2019

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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. First NRV Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	2263
Year Chartered	1937
Employees	7
Primary Regulator

Profit Margin
Return on Assets - YTD	0.86%
Return on Equity - YTD	10.38%
Annual Interest Income	$1.1MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$25.5MM$23.5MM
Loans	Q3 2019vs Q3 2018	$16.6MM$15.3MM
Deposits	Q3 2019vs Q3 2018	$23.3MM$21.3MM
Equity Capital	Q3 2019vs Q3 2018	$2.1MM$1.9MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$131.00K$36.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$241.00K$192.00K
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

Rates

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Savings
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First NRV Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%	-	-	IRA
0.50%^*	$25k^*	-	Regular Shares
OTHER TIERS: 0.10% → $5 - $500 \| 0.30% → $500 - $25k
0.25%	-	-	Christmas Club

First NRV Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%	-	-	5 Year Share Certificate
2.50%	$100	-	24 Month Share Certificate Special
2.27%	-	-	4 Year Share Certificate
2.12%	-	-	3 Year Share Certificate
2.02%	-	-	2 Year Share Certificate
1.76%	-	-	1 Year Share Certificate

Locations

First NRV Federal Credit Union Locations
Branch Office	900 W Main St	Radford, VA 24141-1597
Branch Office	205 Oak St	Hillsville, VA 24343

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