Side-by-side · Q2 2026 data
Richmond Heritage Federal Credit Union vs Mosaic Federal Credit Union
Credit union
Richmond Heritage Federal Credit Union
Richmond, Virginia · Under $100 million in assets
Metric by metric
| Measure | Richmond Heritage Federal Credit Union | Mosaic Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 39 |
| Capital cushion | 100 (stronger) | 34 |
| Loan quality | 90 (stronger) | 26 |
| Earnings | 11 | 21 (stronger) |
| Funding & liquidity | 90 (stronger) | 80 |
| Problem-loan coverage | 99 (stronger) | 61 |
| Peer percentile | 59th | 3rd |
| Total assets | $10.6M | $8.8M |
| Deposits / shares | $6.7M | $8.0M |
| Capital ratio | 37.10% (stronger) | 8.39% |
| Problem loans | 0.30% (stronger) | 2.21% |
| Net charge-offs | 1.59% | 0.77% (stronger) |
| Return on assets | -0.23% | 0.02% (stronger) |
| Loans ÷ deposits | 69.8% (stronger) | 80.6% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Richmond Heritage Federal Credit Union has the higher TellerScore (78 vs 39). On the 6 directional measures above (where higher or lower is clearly better), Richmond Heritage Federal Credit Union leads on 4 and Mosaic Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.