Side-by-side · Q2 2026 data
Richmond Heritage Federal Credit Union vs Credit Union of Richmond Incorporat
Credit union
Richmond Heritage Federal Credit Union
Richmond, Virginia · Under $100 million in assets
Credit union
Credit Union of Richmond Incorporat
Richmond, Virginia · Under $100 million in assets
Metric by metric
| Measure | Richmond Heritage Federal Credit Union | Credit Union of Richmond Incorporat |
|---|---|---|
| TellerScore | 78 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 90 (stronger) | 77 |
| Earnings | 11 | 65 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 59th | 83rd |
| Total assets | $10.6M | $64.6M |
| Deposits / shares | $6.7M | $53.7M |
| Capital ratio | 37.10% (stronger) | 18.48% |
| Problem loans | 0.30% (stronger) | 0.69% |
| Net charge-offs | 1.59% | 0.19% (stronger) |
| Return on assets | -0.23% | 1.13% (stronger) |
| Loans ÷ deposits | 69.8% | 32.0% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 7.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Credit Union of Richmond Incorporat has the higher TellerScore (87 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Richmond Heritage Federal Credit Union leads on 3 and Credit Union of Richmond Incorporat on 4. 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.