Civic Intelligence

The Credit Union of Richmond Inc

EIN 54-0357460 • 501(c)14 • Richmond, VA

View Organization Page

Profile

Credit union is a cooperative organized for the purpose of promoting thrift among its members and creating a source of credit for provident or productive purposes.

1601 Ownby LaneRichmond, VA 23220

www.richpcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

17th percentile

0.82x

Higher debt load relative to assets than 17% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

41st percentile

15.06x

Higher debt load relative to revenue than 41% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

16th percentile

0.7%

Higher net margin than 16% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

79th percentile

$210,772

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 5.9% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

39th percentile

-0.1%

Faster asset growth than 39% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

27th percentile

3.6%

Faster revenue growth than 27% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets17th percentile

Assets

Down

$65,687,162

Down $65,933 (-0.1%) from 2023

Liabilities

Down

$54,038,102

Down $751,354 (-1.4%) from 2023

Net Assets

Up

$11,649,060

Up $685,421 (+6.3%) from 2023

Operations
Liabilities / Revenue41st percentileNet Margin16th percentile

Revenue

Up

$3,587,198

Up $125,790 (+3.6%) from 2023

Expenses

Up

$3,560,555

Up $30,272 (+0.9%) from 2023

Net Income

Up

$26,643

Up $95,518 (+139%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth39th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$100M$50M$0Assets 2010: $83,177,999Liabilities 2010: $72,931,219Net Assets 2010: $10,246,7802010Assets 2011: $83,179,783Liabilities 2011: $72,896,658Net Assets 2011: $10,283,1252011Assets 2012: $80,752,700Liabilities 2012: $71,442,544Net Assets 2012: $9,310,1562012Assets 2013: $77,852,648Liabilities 2013: $68,255,265Net Assets 2013: $9,597,3832013Assets 2014: $77,474,645Liabilities 2014: $66,911,472Net Assets 2014: $10,563,1732014Assets 2015: $74,975,031Liabilities 2015: $64,302,613Net Assets 2015: $10,672,4182015Assets 2016: $74,382,540Liabilities 2016: $63,281,175Net Assets 2016: $11,101,3652016Assets 2018: $71,606,097Liabilities 2018: $60,118,933Net Assets 2018: $11,487,1642018Assets 2019: $68,527,552Liabilities 2019: $57,210,966Net Assets 2019: $11,316,5862019Assets 2020: $72,383,123Liabilities 2020: $61,021,684Net Assets 2020: $11,361,4392020Assets 2021: $72,244,114Liabilities 2021: $60,499,143Net Assets 2021: $11,744,9712021Assets 2022: $69,624,312Liabilities 2022: $58,753,635Net Assets 2022: $10,870,6772022Assets 2023: $65,753,095Liabilities 2023: $54,789,456Net Assets 2023: $10,963,6392023Assets 2024: $65,687,162Liabilities 2024: $54,038,102Net Assets 2024: $11,649,0602024

Highlighted filing

2024

Assets$65,687,162
Liabilities$54,038,102
Net Assets$11,649,060
Open 2024 Filing

Operations Trend

Revenue Growth27th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $5,440,0982010Expenses 2011: $4,918,3902011Expenses 2012: $5,054,5122012Revenue 2013: $4,008,599Expenses 2013: $3,600,829Net Income 2013: $407,7702013Revenue 2014: $3,668,951Expenses 2014: $2,908,467Net Income 2014: $760,4842014Revenue 2015: $3,561,211Expenses 2015: $3,273,136Net Income 2015: $288,0752015Revenue 2016: $3,520,812Expenses 2016: $2,774,289Net Income 2016: $746,5232016Revenue 2018: $3,891,448Expenses 2018: $3,638,263Net Income 2018: $253,1852018Revenue 2019: $4,122,751Expenses 2019: $4,001,400Net Income 2019: $121,3512019Revenue 2020: $3,387,543Expenses 2020: $3,450,841Net Income 2020: -$63,2982020Revenue 2021: $3,345,186Expenses 2021: $2,804,660Net Income 2021: $540,5262021Revenue 2022: $3,275,980Expenses 2022: $3,099,327Net Income 2022: $176,6532022Revenue 2023: $3,461,408Expenses 2023: $3,530,283Net Income 2023: -$68,8752023Revenue 2024: $3,587,198Expenses 2024: $3,560,555Net Income 2024: $26,6432024

Highlighted filing

2024

Revenue$3,587,198
Expenses$3,560,555
Net Income$26,643
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$65,687,162
Liabilities
$54,038,102
Net assets
$11,649,060
Revenue
$3,587,198
Expenses
$3,560,555
Net income
$26,643
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$65.7$54.0$11.6$3.59$3.56$0.03
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$65.8$54.8$11.0$3.46$3.53$0.07
2022Detailed filing. Detailed filing data is available for this year.$69.6$58.8$10.9$3.28$3.10$0.18
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$72.2$60.5$11.7$3.35$2.80$0.54
2020Detailed filing. Detailed filing data is available for this year.$72.4$61.0$11.4$3.39$3.45$0.06
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$68.5$57.2$11.3$4.12$4.00$0.12
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$71.6$60.1$11.5$3.89$3.64$0.25
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$74.4$63.3$11.1$3.52$2.77$0.75
2015Detailed filing. Detailed filing data is available for this year.$75.0$64.3$10.7$3.56$3.27$0.29
2014Detailed filing. Detailed filing data is available for this year.$77.5$66.9$10.6$3.67$2.91$0.76
2013Detailed filing. Detailed filing data is available for this year.$77.9$68.3$9.60$4.01$3.60$0.41
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$80.8$71.4$9.31$5.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$83.2$72.9$10.3$4.92
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$83.2$72.9$10.2$5.44
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 30, 2025
Return Version
2024v5.2
Gross Receipts
$3,605,234
Mission and Program Overview

Mission

The credit union is a cooperative organzied for the purpose of promoting thrift among its members and creating a source of credit for provident or productive purposes.

Credit union is a cooperative organzied for the purpose of promoting thrift among its members and creating a source of credit for provident or productive purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$34,713,506$35,069,261▲ $355,755
Other Notes and Loans Receivable, Net$25,725,484$23,186,742▼ $2,538,742
Rtn Earn Endowment Incm Other Fnds$10,963,639$11,649,060▲ $685,421
Cash and Non-Interest-Bearing Accounts$1,429,273$2,117,178▲ $687,905
Prepaid Expenses and Deferred Charges$1,469,787$1,616,354▲ $146,567
Land, Buildings, and Equipment, Net$1,483,255$1,509,671▲ $26,416
Receivables From Officers Etc$113,129$84,955▼ $28,174
Accounts Receivable$47,845$12,582▼ $35,263
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$67,077,036$65,687,162▼ $1,389,874
Other Assets Total$2,094,757$2,090,419▼ $4,338
Liabilities
Other Liabilities$55,951,706$53,800,454▼ $2,151,252
Accounts Payable and Accrued Expenses$161,691$237,648▲ $75,957
Total Liabilities$56,113,397$54,038,102▼ $2,075,295
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,963,639$11,649,060▲ $685,421
Total Liabilities and Net Assets / Fund Balance$67,077,036$65,687,162▼ $1,389,874

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,045,165$977,664$2,022,829
Equipment$175,836$474,989$650,825
Land$288,670-$288,670
Other Securities$70,940--
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Arthur HartPresident/CEOFT$181,120$29,652$210,772
Alvin StrotherBoard Member-$3,400-$3,400
Gary V Shelton JrBoard Member-$2,800-$2,800
Yvonne BaylorBoard Member-$2,800-$2,800
Archie ThompsonBoard Member-$2,200-$2,200
Brandize Carey BraxtonBoard Member-$2,200-$2,200
Curt DavidsonBoard Member-$2,200-$2,200
Donald HallBoard Member-$2,200-$2,200
Elmer SimsBoard Member-$2,200-$2,200
Janice McmooreBoard Member-$2,200-$2,200
Larry LindseyBoard Member-$2,200-$2,200
Sameatria MortonBoard Member-$2,200-$2,200
Betty T StrotherBoard Member-$2,000-$2,000
Karen LipscombBoard Member-$2,000-$2,000
William W LauterbachBoard Member-$2,000-$2,000
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,471,929
Investment Income
$1,115,269
Other Revenue
$0
Change in Net Assets
$26,643
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,360,863
Salaries, Compensation, and Employee Benefits$1,199,692
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Information Technology---$618,379
Other Salaries and Wages---$514,640
Other Employee Benefits---$452,973
Interest---$322,574
Fees for Services Other---$255,273
Current Officers, Directors, Trustees, and Key Employees---$181,120
All Other Expenses---$169,038
Occupancy---$143,124
Depreciation Depletion---$94,252
Office Expenses---$93,327
Advertising---$68,127
Other Expenses---$67,315
Payroll Taxes---$50,959
Fees for Services Legal---$41,262
Fees for Services Accounting---$36,000
Conferences and Meetings---$15,600
Insurance---$8,662
Total Functional Expenses$0$0$0$3,560,555
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$113,129$84,955▼ $28,174
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$33,712,177
Sharedrafts$10,305,257
Share Certificates$8,490,156
Ira Accounts$909,247
Christmas Savings$263,285
Organization Accounts$104,506
Pending Bond Claim$15,826
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Credit unions are financial institutions formed by an organized group of people with a common bond. Each member owns one share. Each member has one vote to elect the board of directors.”

Form 990, Part VI, Section A, Line 7A

“Credit unions are financial institutions formed by an organized group of people with a common bond. Each member owns one share. Each member has on vote to elect the board of directors.”

Form 990, Part VI, Section B, Line 11B

“The co-ceo's review the form 990 prior to filing with the irs.”

Form 990, Part VI, Section C, Line 19

“Governing documents are not made availabel to the public. Members of the credit uion may review governing documetns at the credit union office. Governing documenets are available for inspection by the credit union's members.”

Filing and Contact Details

Filer

Filer Name
The Credit Union of Richmond Inc
EIN
54-0357460
Phone
8043559684
Address
1601 OWNBY LANE, RICHMOND, VA 23220

Signing Officer

Name
Arthur Hart
Title
President/CEO
Phone
8043559684
Signed
2025-10-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Arthur Hart
Formed
1923
Legal Domicile
Va
Voting Board Members
14
Independent Board Members
14
Employees
23
Volunteers
14

Preparer

Firm
Keiter Stephens Hurst Gary & Shreaves
Address
4401 DOMINION BLVD, GLEN ALLEN, VA 23060
Preparer
Virginia R Belcher
Phone
8047470000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in defined benefit pension plan asset/liability 175,328. Cecl adjustment -73,460.”

Raw XML AppendixShowing 400 of 498 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/AllOtherExpensesGrp/TotalAmt0169038
IRS990/BackupWthldComplianceInd01
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IRS990/BooksInCareOfDetail/USAddress/CityNm0RICHMOND
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IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0ELMER SIMS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1JANICE MCMOORE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2BRANDIZE BRAXTON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3GARY SHELTON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4ARCHIE THOMPSON

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