Side-by-side · Q2 2026 data
Richmond Heritage Federal Credit Union vs VA Beach Postal Federal Credit Union
Credit union
Richmond Heritage Federal Credit Union
Richmond, Virginia · Under $100 million in assets
Credit union
VA Beach Postal Federal Credit Union
Virginia Beach, Virginia · Under $100 million in assets
Metric by metric
| Measure | Richmond Heritage Federal Credit Union | VA Beach Postal Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 80 (stronger) |
| Capital cushion | 100 (stronger) | 80 |
| Loan quality | 90 (stronger) | 83 |
| Earnings | 11 | 51 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 59th | 65th |
| Total assets | $10.6M | $10.0M |
| Deposits / shares | $6.7M | $8.7M |
| Capital ratio | 37.10% (stronger) | 13.04% |
| Problem loans | 0.30% (stronger) | 0.50% |
| Net charge-offs | 1.59% | 0.69% (stronger) |
| Return on assets | -0.23% | 0.78% (stronger) |
| Loans ÷ deposits | 69.8% | 53.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
VA Beach Postal Federal Credit Union has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Richmond Heritage Federal Credit Union leads on 3 and VA Beach Postal Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.