Richmond Heritage
Richmond, VA · Charter 1282 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)
NCUA · 1 branch
Q2 2026
$10.6MAssets
$4.7MLoans
$6.7MShares
$3.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Richmond, VA area (rank 1 of 16).
- Widest gap: return on equity trails 94% of credit unions under $1B in assets in the Richmond, VA area (rank 15 of 16).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-0.23%
Rank 15 of 16
Net Interest Margin
5.27%
Rank 3 of 16
Efficiency Ratio
94.99%
Rank 15 of 16
Equity / Assets
37.10%
Rank 1 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.23% | 0.51% | 0.86% | 1.14% | Beats 6% | 15 / 16 | |
| Return on Equity | -0.61% | 2.74% | 6.89% | 10.47% | Beats 6% | 15 / 16 | |
| Net Interest Margin | 5.27% | 3.59% | 3.78% | 5.26% | Beats 81% | 3 / 16 | |
| Efficiency Ratio | 94.99% | 72.78% | 78.57% | 80.89% | Beats 12% | 15 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.60% | 1.42% | 1.93% | Beats 100% | 1 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 37.10% | 10.18% | 10.87% | 18.48% | Beats 94% | 1 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 37.10% | 10.18% | 10.87% | 18.48% | Beats 94% | 1 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 69.84% | 55.40% | 64.78% | 71.88% | 69th pctl | 5 / 16 | |
| Loans / Assets | 43.84% | 48.81% | 51.73% | 64.39% | 19th pctl | 13 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |