BlastPoint's Credit Union Scorecard

RICHMOND VIRGINIA FIRE POLICE CREDI

Charter #66899 · VA

<100M
2556 CUs in <100M nationally 48 in VA

RICHMOND VIRGINIA FIRE POLICE CREDI has 2 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.79% above tier average
  • + Net Interest Margin 0.76% above tier average

Key Concerns

Areas that may need attention

  • - Member decline: -2.1% YoY

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 1,685
-2.1% YoY-0.6% QoQ
-930 2,615
-1.9% YoY
222,299
+7.3% YoY
33,374
+5.7% YoY
44%
Assets $21.8M
+6.6% YoY+0.7% QoQ
$-8.3M $30.1M
+2.1% YoY
$2.9B
+9.9% YoY
$561.6M
+9.7% YoY
50%
Loans $10.8M
+8.2% YoY-0.7% QoQ
$-5.0M $15.8M
-1.3% YoY
$2.1B
+6.6% YoY
$397.0M
+8.8% YoY
53%
Deposits $18.6M
+5.9% YoY+0.5% QoQ
$-7.1M $25.7M
+1.4% YoY
$2.5B
+10.1% YoY
$477.3M
+9.7% YoY
50%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.4%
-8.9% YoY-2.7% QoQ
+0.8% 0.6%
+10.8% YoY
0.6%
+3.1% YoY
0.7%
+15.9% YoY
82%
NIM 4.7%
+6.6% YoY+1.0% QoQ
+0.8% 4.0%
+4.0% YoY
3.9%
+2.0% YoY
3.8%
+5.1% YoY
80%
Efficiency Ratio 74.2%
-4.5% YoY+1.2% QoQ
-8.3% 82.6%
-2.3% YoY
80.2%
-0.6% YoY
79.7%
-3.3% YoY
36%
Delinquency Rate 0.6%
-44.7% YoY-10.6% QoQ
-1.0 1.6%
-3.1% YoY
1.4%
-11.9% YoY
1.3%
-2.1% YoY
45%
Loan To Share 57.9%
+2.2% YoY-1.3% QoQ
-2.7% 60.6%
-3.1% YoY
65.1%
-5.8% YoY
67.4%
-1.7% YoY
46%
AMR $17,432
+9.0% YoY+0.7% QoQ
+$3K $14,783
-1.4% YoY
$18,904
+2.4% YoY
$19,687
+2.0% YoY
68%
CD Concentration 5.3%
+25.2% YoY+0.4% QoQ
-19.1% 24.4% 18.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 9.6% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 2556 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
301
AMR Growth Rate
growth
Value: 8.99%
Peer Median: -
#301 of 2556 Top 11.7% in <100M tier
357
Loan Growth Rate
growth
Value: 8.22%
Peer Median: -
#357 of 2556 Top 13.9% in <100M tier
467
Return on Assets (ROA)
profitability
Value: 1.41%
Peer Median: -
#467 of 2556 Top 18.2% in <100M tier
472
Asset Growth Rate
growth
Value: 6.61%
Peer Median: -
#472 of 2556 Top 18.4% in <100M tier
521
Net Interest Margin (NIM)
profitability
Value: 4.72%
Peer Median: -
#521 of 2556 Top 20.3% in <100M tier
540
Deposit Growth Rate
growth
Value: 5.85%
Peer Median: -
#540 of 2556 Top 21.1% in <100M tier
608
Net Charge-Off Rate
risk
Value: 0.02%
Peer Median: -
#608 of 2556 Top 23.7% in <100M tier

Top Weaknesses (0 metrics)

No weakness rankings available
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