Side-by-side · Q2 2026 data
Virginia Educators Credit Union vs Credit Union of Richmond Incorporat
Credit union
Virginia Educators Credit Union
Newport News, Virginia · Under $100 million in assets
Credit union
Credit Union of Richmond Incorporat
Richmond, Virginia · Under $100 million in assets
Metric by metric
| Measure | Virginia Educators Credit Union | Credit Union of Richmond Incorporat |
|---|---|---|
| TellerScore | 96 (stronger) | 87 |
| Capital cushion | 100 | 100 |
| Loan quality | 86 (stronger) | 77 |
| Earnings | 97 (stronger) | 65 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 97th | 83rd |
| Total assets | $76.3M | $64.6M |
| Deposits / shares | $57.3M | $53.7M |
| Capital ratio | 24.16% (stronger) | 18.48% |
| Problem loans | 0.43% (stronger) | 0.69% |
| Net charge-offs | 0.21% | 0.19% (stronger) |
| Return on assets | 1.92% (stronger) | 1.13% |
| Loans ÷ deposits | 13.0% (stronger) | 32.0% |
| Uninsured deposits | 3.4% (stronger) | 7.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Virginia Educators Credit Union has the higher TellerScore (96 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Virginia Educators Credit Union leads on 6 and Credit Union of Richmond Incorporat on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.