CENTRAL VIRGINIA Credit Union Profile

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CENTRAL VIRGINIA

Charter #22307 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (434) 528-9016

Fax: (434) 528-2647

Founding Date: N/A

Website: http://www.cvfcu.com

Personnel & Operations

President: Perrow, William

Manager: Carson, Roger

FT Employees: 46

PT Employees: 10

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 5

Hours: 9:00 AM THROUGH 6:00 PM MONDAY THROUGH FRID

Credit Union Profile Summary

CENTRAL VIRGINIA is a FCU Credit Union. With a total of 13,094 members [1], this institution manages approximately $193,645,721 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.46% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 8.35% [1].

Financial Snapshot

Total Assets [1]
$193,645,721

Total economic resources.

Total Loans [1]
$117,435,107

Total value of outstanding loans.

Total Deposits [1]
$169,663,143

Total funds deposited by members.

Members [1]
13,094

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.46%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.58%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
69.22%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 2.22%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 8.35%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -2.66%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1638 MOUNT ATHOS RD

LYNCHBURG, VA, 24504-5429
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 5 branches reported by CENTRAL VIRGINIA (Charter #22307).

Main Office

Mt. Athos Branch Main Office

Type: Corporate Office

1638 Mount Athos Rd

Lynchburg, VA 24504-5429

Phone: (434) 528-9016

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Forest

Forest Branch

Type: Branch Office

14416 Forest Rd

Forest, VA 24551

Phone: (434) 528-9016

Services: Member Services, ATM, Drive-Thru

Open in Directions

Lynchburg

Old Forest Road

Type: Branch Office

3404 Old Forest Rd

Lynchburg, VA 24501-2915

Phone: (434) 528-9016

Services: Member Services, ATM, Drive-Thru

Open in Directions

Timberlake Branch

Type: Branch Office

20255 Timberlake Rd

Lynchburg, VA 24502-7202

Phone: (434) 528-9016

Services: Member Services, ATM, Drive-Thru

Open in Directions

Madison Heights

Madison Heights Branch

Type: Branch Office

109 Seminole Dr

Madison Heights, VA 24572-2447

Phone: (434) 944-2225

Services: Member Services, ATM, Drive-Thru

Open in Directions