BlastPoint's Credit Union Scorecard
CREDIT UNION OF RICHMOND INCORPORAT
Charter #66929 · VA
CREDIT UNION OF RICHMOND INCORPORAT has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 5.3% in tier
- + AMR Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Member decline: -16.4% YoY
- - Member Growth Rate: Bottom 2.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,008
-16.4% YoY-4.6% QoQ
|
+1.3K |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
79% |
| Assets |
$65.2M
-4.1% YoY-2.2% QoQ
|
+$35.0M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
Top 14.5% in tier |
| Loans |
$18.1M
-15.8% YoY-5.9% QoQ
|
+$2.9M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
68% |
| Deposits |
$54.5M
-2.9% YoY-2.4% QoQ
|
+$28.7M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
84% |
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| ROA |
-0.2%
-39.6% YoY-88.1% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
3.6%
-2.2% YoY-3.0% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
86.4%
-15.8% YoY-33.1% QoQ
|
-4.2% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
61% |
| Delinquency Rate |
0.7%
+1.9% YoY+46.5% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
52% |
| Loan To Share |
33.3%
-13.3% YoY-3.5% QoQ
|
-25.2% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.5% in tier |
| AMR |
$18,117
+11.9% YoY+1.4% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration |
12.7%
+6.4% YoY+3.0% QoQ
|
-11.6% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 7.7% | 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)