Side-by-side · Q2 2026 data
Richmond Heritage Federal Credit Union vs Summit Hampton Roads Federal Credit Union
Credit union
Richmond Heritage Federal Credit Union
Richmond, Virginia · Under $100 million in assets
Credit union
Summit Hampton Roads Federal Credit Union
Norfolk, Virginia · Under $100 million in assets
Metric by metric
| Measure | Richmond Heritage Federal Credit Union | Summit Hampton Roads Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 52 |
| Capital cushion | 100 (stronger) | 93 |
| Loan quality | 90 (stronger) | 4 |
| Earnings | 11 (stronger) | 0 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 80 |
| Peer percentile | 59th | 11th |
| Total assets | $10.6M | $8.2M |
| Deposits / shares | $6.7M | $7.1M |
| Capital ratio | 37.10% (stronger) | 14.27% |
| Problem loans | 0.30% (stronger) | 2.89% |
| Net charge-offs | 1.59% | 1.27% (stronger) |
| Return on assets | -0.23% (stronger) | -1.19% |
| Loans ÷ deposits | 69.8% | 60.6% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 5.9% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Richmond Heritage Federal Credit Union has the higher TellerScore (78 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Richmond Heritage Federal Credit Union leads on 5 and Summit Hampton Roads Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.