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
- CHARTER 89/100
- NCUSIF 10.3%
- CAMELS 1.26%
- HEALTH 0.85%
- NW $486.1M
- DELQ 31,329
- ROA #1,309/4,374
- ASSETS Holy Rosary
- MEM 18175
Call Report peers
HENRICO in the assets neighbourhood
HENRICO's $486.1M assets sit next to Holy Rosary ($487.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
HENRICO - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #18175, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
HENRICO Call Report trajectory
HENRICO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $486.1M (2025Q4) to $501.0M (2026Q1).
- Net-worth ratio shifted -0.09 pp (10.44% → 10.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for HENRICO, both outside Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($486.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is HENRICO financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - HENRICO's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,309 of 4,374; by total assets it ranks #767 of 4,374 nationally (same basis as /rankings/largest); and #24 of 95 within Virginia. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.35% net worth ratio and 1.26% delinquency rate are the key drivers.
How does HENRICO compare to other credit unions?
Five weighted metrics from NCUA filings produce HENRICO's 89/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like HENRICO are 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."
What rates does HENRICO offer compared to banks?
Credit unions like HENRICO are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact HENRICO directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.