Side-by-side · Q2 2026 data
Argent Federal Credit Union vs Credit Union of Richmond Incorporat
Credit union
Credit Union of Richmond Incorporat
Richmond, Virginia · Under $100 million in assets
Metric by metric
| Measure | Argent Federal Credit Union | Credit Union of Richmond Incorporat |
|---|---|---|
| TellerScore | 68 | 87 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 75 | 77 (stronger) |
| Earnings | 59 | 65 (stronger) |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 45th | 83rd |
| Total assets | $571.8M | $64.6M |
| Deposits / shares | $517.4M | $53.7M |
| Capital ratio | 9.55% | 18.48% (stronger) |
| Problem loans | 0.75% | 0.69% (stronger) |
| Net charge-offs | 0.47% | 0.19% (stronger) |
| Return on assets | 0.99% | 1.13% (stronger) |
| Loans ÷ deposits | 64.8% | 32.0% (stronger) |
| Uninsured deposits | 7.6% | 7.4% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.8% | — |
Credit Union of Richmond Incorporat has the higher TellerScore (87 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Argent Federal Credit Union leads on 0 and Credit Union of Richmond Incorporat on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.