Federal credit union · Henrico, Virginia · NCUA charter #18175
HENRICO
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $486.1M
- Total assets
- 31,329
- Members
- 10.3%
- Net-worth ratio
HENRICO scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $486.1M; members 31,329; net-worth ratio 10.35%; health rank #1,309 of 4,374; healthier than 69th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,309 of 4,374 health · 2025Q4HENRICO · health 89/100 · $486.1M · 2025Q4
Call Report peers
HENRICO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HENRICO vs every NCUA-scored credit union
HENRICO sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HENRICO vs $100M–$500M peers
- Largest favorable gap: Return on Assets at 0.85% vs peer 0.62% (+0.22 pp).
- Loan-to-Share Ratio trails the peer set - 69.04% here, 72.20% peer average (-3.16 pp).
HENRICO in Virginia
- Virginia health ordinal: #22 of 95.
- Assets rank #24 of 95 inside Virginia ($486.1M reported).
- Virginia membership ordinal: #22 of 95.
- One place up in Virginia, Hopewell Chemical (#21) ties at 89/100; one place down, ARGENT (#23) ties at 89/100.
HENRICO Call Report trajectory
HENRICO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $486.1M (2025Q4) to $501.0M (2026Q1).
- Net-worth ratio shifted -0.09 pp (10.44% → 10.35%).
At 10.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
HENRICO gives up 11 points in total. Delinquency Rate costs the most, 6.9 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 14.7 pts
HENRICO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.35% | -1.76 pp |
| Delinquency Rate | 1.26% | +0.36 pp |
| Return on Assets | 0.85% | +0.22 pp |
| Member Growth | 1.80% | - |
| Loan-to-Share Ratio | 69.04% | -3.16 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $501.0M | - |
| 2025Q4 | $486.1M | 31,329 |
| 2024Q4 | $449.0M | 30,775 |
| 2023Q4 | $432.7M | 30,614 |
Credit Union Details
- Charter Number
- 18175
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- Henrico
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, HENRICO runs 9 offices in 4 different cities.
| Office | City |
|---|---|
| West Broad (Main Office) | Henrico, VA |
| Woodman | Glen Allen, VA |
| Dixon Powers | Henrico, VA |
| Operations Center | Henrico, VA |
| Nabisco | Henrico, VA |
| Bellwood | North Chesterfield, VA |
| Laburnum | Richmond, VA |
| Nine Mile | Richmond, VA |
| Short Pump | Richmond, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- HENRICO ranks #1,309 of 4,374 nationally on financial health and #22 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TOPSIDE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TOPSIDE
Frequently Asked Questions
Is HENRICO financially healthy?
HENRICO has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,309 of 4,374 nationally on health and #22 of 95 in Virginia. Its net worth ratio is 10.35% and its delinquency rate 1.26%.
How does HENRICO compare to other credit unions?
HENRICO scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (0.85% vs 0.62%). Its widest shortfall is loan-to-share ratio (69.04% vs 72.20%).
How can I join HENRICO?
HENRICO operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact HENRICO directly for the exact boundaries and application steps.
Is my money safe at HENRICO?
HENRICO is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. HENRICO's net worth ratio of 10.35% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.