Lynchburg, Virginia · Peer group 5
Central Virginia Credit Union
Central Virginia Credit Union holds $201.1M in assets across 12,991 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1976. Charter number 22307, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $201.1M |
|---|---|
| Total loans | $118.2M |
| Total shares (deposits) | $174.9M |
| Net worth | $24.2M |
| Members | 12,991 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.3% | |
|---|---|---|
| Loans | 0.3% | around the 36th percentile of its peer group |
| Deposits | 0.9% | around the 28th percentile of its peer group |
| Members | -1.1% | around the 40th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 67.6% | around the 41st percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.4% | around the 63rd percentile of its peer group |
| Return on assets | 1.31% | around the 84th percentile of its peer group |
| Delinquency ratio | 1.22% | around the 84th percentile of its peer group |
| Cash / assets | 13.7% | around the 74th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Central Virginia Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Virginia — the comparison set a peer ratio is measured against.
- Beach Municipal Credit Union
Virginia Beach, VA
$194.6M · 9,031 members
- InFirst Credit Union
Alexandria, VA
$191.9M · 14,636 members
- Democracy Credit Union
Alexandria, VA
$190.0M · 11,818 members
- Urw Community Credit Union
DANVILLE, VA
$225.8M · 35,659 members
- Celco Community Credit Union
NARROWS, VA
$145.8M · 7,377 members
- Healthcare Systems Credit Union
Falls Church, VA
$137.5M · 13,911 members
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