Side-by-side · Q2 2026 data
Vantage Point Federal Credit Union vs Credit Union of Richmond Incorporat
Credit union
Vantage Point Federal Credit Union
Hopewell, Virginia · Under $100 million in assets
Credit union
Credit Union of Richmond Incorporat
Richmond, Virginia · Under $100 million in assets
Metric by metric
| Measure | Vantage Point Federal Credit Union | Credit Union of Richmond Incorporat |
|---|---|---|
| TellerScore | 71 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 27 | 77 (stronger) |
| Earnings | 50 | 65 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 42nd | 83rd |
| Total assets | $45.0M | $64.6M |
| Deposits / shares | $37.2M | $53.7M |
| Capital ratio | 16.68% | 18.48% (stronger) |
| Problem loans | 2.20% | 0.69% (stronger) |
| Net charge-offs | 0.71% | 0.19% (stronger) |
| Return on assets | 0.76% | 1.13% (stronger) |
| Loans ÷ deposits | 41.8% | 32.0% (stronger) |
| Uninsured deposits | 5.0% (stronger) | 7.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Credit Union of Richmond Incorporat has the higher TellerScore (87 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Vantage Point Federal Credit Union leads on 1 and Credit Union of Richmond Incorporat on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.