Federal credit union · Richmond, Virginia · NCUA charter #1282
Richmond Heritage
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $10.4M
- Total assets
- 1,709
- Members
- 37.4%
- Net-worth ratio
Richmond Heritage scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.4M; members 1,709; net-worth ratio 37.37%; health rank #2,672 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,672 of 4,374 health · 2025Q4Richmond Heritage · health 80/100 · $10.4M · 2025Q4
Call Report peers
Richmond Heritage in the assets neighbourhood
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Richmond Heritage vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Richmond Heritage sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Richmond Heritage diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 37.37% vs peer 14.86% (+22.51 pp).
- Largest lag: Return on Assets at -2.74% vs peer 0.70% (-3.45 pp).
Where Richmond Heritage sits in Virginia
- Health composite ranks #51 of 95 among scored Virginia credit unions.
- Assets rank #74 of 95 inside Virginia ($10.4M reported).
- Virginia membership ordinal: #72 of 95.
- One place up in Virginia, ABNB (#50) scores 81/100, 1 point higher; one place down, AGRICULTURE (#52) ties at 80/100.
Richmond Heritage: 2025Q4 → 2026Q1
Richmond Heritage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $10.4M (2025Q4) to $10.5M (2026Q1).
- Net-worth ratio shifted -0.71 pp (38.08% → 37.37%).
This credit union's 37.37% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Richmond Heritage gives up 20 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.6 pts
- Return on Assets 0.0 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 15.5 pts
Richmond Heritage vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 37.37% | +22.51 pp |
| Delinquency Rate | 0.64% | -0.51 pp |
| Return on Assets | -2.74% | -3.45 pp |
| Member Growth | 1.61% | - |
| Loan-to-Share Ratio | 71.22% | +11.42 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Richmond Heritage
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.5M | - |
| 2025Q4 | $10.4M | 1,709 |
| 2024Q4 | $10.4M | 1,682 |
| 2023Q4 | $11.0M | 1,750 |
Credit Union Details
- Charter Number
- 1282
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Virginia
- City
- Richmond
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Richmond Heritage.
| Office | City |
|---|---|
| Richmond Heritage FCU (Main Office) | Richmond, VA |
| First Advantage Federal CU | 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.
- VA BEACH POSTALVirginia Beach, VA · $10M–$50M82Health
- METROPOLITAN CHURCHSUFFOLK, VA · $10M–$50M65Health
- VIRGINIA STATE UNIVERSITYSouth Chesterfi, VA · $10M–$50M73Health
- AUGUSTA HEALTH CARE CREDIT UNIONFISHERSVILLE, VA · $10M–$50M90Health
- VIRGINIA UNITED METHODISTNorth Chesterfi, VA · $10M–$50M58Health
Other-state peers near Richmond Heritage
Similar total assets
Similar health score
Using this data
- Richmond Heritage ranks #2,672 of 4,374 nationally on financial health and #51 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Va Beach Postal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Va Beach Postal
Frequently Asked Questions
Is Richmond Heritage financially healthy?
Richmond Heritage has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,672 of 4,374 nationally on health and #51 of 95 in Virginia. Its net worth ratio is 37.37% and its delinquency rate 0.64%.
How does Richmond Heritage compare to other credit unions?
Richmond Heritage scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (37.37% vs 14.86%). Its widest shortfall is return on assets (-2.74% vs 0.70%).
How can I join Richmond Heritage?
Richmond Heritage 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 Richmond Heritage directly for the exact boundaries and application steps.
Is my money safe at Richmond Heritage?
Richmond Heritage 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. Richmond Heritage's net worth ratio of 37.37% 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.