BlastPoint's Credit Union Scorecard
CREDIT UNION OF RICHMOND INCORPORAT
Charter #66929 · VA
CREDIT UNION OF RICHMOND INCORPORAT has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.5% in tier
- + AMR Growth Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.37% below tier average
- - Efficiency ratio 46.70% above tier (higher cost structure)
- - Member decline: -14.5% YoY
- - Member Growth Rate: Bottom 2.8% in tier
- - Loan Growth Rate: Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,201
-14.5% YoY-2.3% QoQ
|
+1.6K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$66.7M
+1.6% YoY-1.4% QoQ
|
+$36.6M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Top 14.0% in tier |
| Loans |
$19.3M
-17.9% YoY-4.0% QoQ
|
+$3.5M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$55.8M
+3.8% YoY+1.0% QoQ
|
+$30.1M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Top 14.9% in tier |
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| ROA |
-1.8%
-950.0% YoY-1744.7% QoQ
|
-2.4% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.5% in tier |
| NIM |
3.7%
-5.7% YoY+0.9% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
129.3%
+41.4% YoY+37.7% QoQ
|
+46.7% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 3.0% in tier |
| Delinquency Rate |
0.5%
-53.9% YoY+26.4% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
34.5%
-20.9% YoY-4.9% QoQ
|
-26.1% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.0% in tier |
| AMR |
$17,875
+13.7% YoY+2.0% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
12.3%
-0.2% YoY-1.0% QoQ
|
-12.1% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)