Side-by-side · Q2 2026 data
Citizens Bank and Trust Company vs Richmond Heritage Federal Credit Union
Credit union
Richmond Heritage Federal Credit Union
Richmond, Virginia · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank and Trust Company | Richmond Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 78 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 90 |
| Earnings | 100 (stronger) | 11 |
| Funding & liquidity | 93 (stronger) | 90 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 100th | 59th |
| Total assets | $577.6M | $10.6M |
| Deposits / shares | $485.5M | $6.7M |
| Capital ratio | 15.39% | 37.10% (stronger) |
| Problem loans | 0.23% (stronger) | 0.30% |
| Net charge-offs | -0.00% (stronger) | 1.59% |
| Return on assets | 2.11% (stronger) | -0.23% |
| Loans ÷ deposits | 58.7% (stronger) | 69.8% |
| Uninsured deposits | 21.9% | 0.0% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | — |
Citizens Bank and Trust Company has the higher TellerScore (97 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company leads on 5 and Richmond Heritage Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.