Credit union · NCUA insured
Peoples Advantage FCU
Top CarrotA $115.8M credit union headquartered in Petersburg, VA, with 9,446 members and 4 branches in Virginia. Best rates: CDs 6.17% and savings 2.53% APY.
Peoples Advantage FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#3 of 34 in Richmond, VA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Peoples Advantage FCU
- Headquarters
- 110 Wagner Rd, Petersburg, VA 23805-9303
- NCUA charter
- 17464
Branches
4 branches in Virginia
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Virginia
4 branches
- Main OfficeMain office110 Wagner Rd, Petersburg, VA 23805Directions
- Colonial Heights Office2801 Conduit Rd, Colonial Heights, VA 23834Directions
- Financial Empowerment Center Petersburg100 Perry St, Petersburg, VA 23803Directions
- Financial Empowerment Center Richmond3601 Dill Rd, Richmond, VA 23222Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 22.15% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 3.09% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 2.93% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio22.15%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late3.09%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets2.93%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Peoples Advantage FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.