Side-by-side · Q2 2026 data
Henrico Federal Credit Union vs Credit Union of Richmond Incorporat
Credit union
Credit Union of Richmond Incorporat
Richmond, Virginia · Under $100 million in assets
Metric by metric
| Measure | Henrico Federal Credit Union | Credit Union of Richmond Incorporat |
|---|---|---|
| TellerScore | 64 | 87 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 52 | 77 (stronger) |
| Earnings | 62 | 65 (stronger) |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 31st | 83rd |
| Total assets | $499.7M | $64.6M |
| Deposits / shares | $447.6M | $53.7M |
| Capital ratio | 10.68% | 18.48% (stronger) |
| Problem loans | 1.44% | 0.69% (stronger) |
| Net charge-offs | 0.34% | 0.19% (stronger) |
| Return on assets | 1.04% | 1.13% (stronger) |
| Loans ÷ deposits | 71.9% | 32.0% (stronger) |
| Uninsured deposits | 7.4% (stronger) | 7.4% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.5% | — |
Credit Union of Richmond Incorporat has the higher TellerScore (87 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Henrico Federal Credit Union leads on 1 and Credit Union of Richmond Incorporat on 6. 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.