TellerScore

Henrico Federal Credit Union is a federal credit union headquartered in Henrico, Virginia, in business for about 59 years. At the end of Q2 2026 it reported $499.7M in total assets and $447.6M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Henrico Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 31% of 1,341 credit unions with $100 million – $1 billion. Among 95 credit unions headquartered in Virginia, it ranks 61st. Its strongest component is funding & liquidity (88/100; 72% loans-to-deposits, 7% uninsured), and its lowest is loan quality (52/100; 1.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.68%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.44%
Earnings62/100
Return on assets (annualized): 1.04%
Funding & liquidity88/100
Loans ÷ shares: 71.9% · 7.4% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.65%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 64).

TellerScore
606366Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202460
Q4 202462
Q1 202564
Q2 202564
Q3 202564
Q4 202566
Q1 202665
Q2 202664
Net worth ratio
7.00%8.84%10.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.45%
Q3 20249.47%
Q4 202410.15%
Q1 202510.01%
Q2 202510.29%
Q3 202510.34%
Q4 202510.44%
Q1 202610.35%
Q2 202610.68%
Delinquent loans (60+ days)
1.14%1.35%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.26%
Q3 20241.35%
Q4 20241.55%
Q1 20251.29%
Q2 20251.39%
Q3 20251.33%
Q4 20251.26%
Q1 20261.14%
Q2 20261.44%
Return on assets
0.69%0.90%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.73%
Q4 20240.92%
Q1 20250.98%
Q2 20250.99%
Q3 20251.04%
Q4 20251.10%
Q1 20260.85%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$499.7M10.68%1.44%1.04%71.9%
Q1 202665$501.0M10.35%1.14%0.85%68.5%
Q4 202566$486.1M10.44%1.26%1.10%69.0%
Q3 202564$476.8M10.34%1.33%1.04%69.5%
Q2 202564$465.5M10.29%1.39%0.99%68.3%
Q1 202564$466.5M10.01%1.29%0.98%64.5%
Q4 202462$449.0M10.15%1.55%0.92%64.4%
Q3 202460$466.4M9.47%1.35%0.73%64.4%
Q2 202460$457.0M9.45%1.26%0.69%64.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.68%
39th
Problem loans1.44%
15th
Net charge-offs0.34%
52nd
Return on assets1.04%
68th
Loans to deposits71.9%
57th
Uninsured deposits7.4%
35th
Loan-loss reserves0.00%
50th
Texas ratio8.7%
17th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Commonwealth One Federal Credit UnionCredit union Alexandria, VA55 out of 100, Moderate$501.7M8.3%1.29%vs
Valleystar Credit UnionCredit union Martinsville, VA45 out of 100, Below average$503.4M10.3%1.76%vs
Topside Federal Credit UnionCredit union Dahlgren, VA63 out of 100, Moderate$492.1M8.8%1.14%vs
Arlington Community Federal Credit UnionCredit union Arlington, VA55 out of 100, Moderate$537.8M8.0%0.44%vs
Spectra Federal Credit UnionCredit union Alexandria, VA45 out of 100, Below average$544.4M8.7%1.85%vs
Call Federal Credit UnionCredit union Glen Allen, VA67 out of 100, Moderate$557.1M10.5%0.60%vs

Deposit insurance

Is my money safe at Henrico Federal Credit Union?

Yes. Henrico Federal Credit Union is a federally insured credit union (NCUA charter #18175). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.4% of shares and deposits ($33.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.68%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Henrico Federal Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Henrico Federal Credit Union reported 301 home-loan applications under HMDA (LEI 549300ELQB8TS88JEE06): 222 originated ($19,110,000 total), 58 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Henrico Federal Credit Union
Type
Federal credit union
NCUA charter #
18175
RSSD ID
566588
Primary regulator
NCUA
Established
1967
Headquarters
9401 W Broad St, Henrico, VA 23294
Employees
89

Quick answers

Henrico Federal Credit Union: common questions

Is Henrico Federal Credit Union NCUA insured?

Yes. Henrico Federal Credit Union is a federally insured credit union (NCUA charter #18175). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Henrico Federal Credit Union's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Henrico Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Henrico

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Bank and Trust CompanyBank Blackstone, VA97 out of 100, Very strong$577.6M15.4%0.23%vs
The Bank of Southside VirginiaBank Carson, VA97 out of 100, Very strong$670.3M23.4%0.08%vs
1st Advantage Federal Credit UnionCredit union Newport News, VA90 out of 100, Very strong$1.1B16.7%0.45%vs
Richmond Virginia Fire Police Credi Credit UnionCredit union Richmond, VA88 out of 100, Very strong$21.2M15.4%0.55%vs
Credit Union of Richmond IncorporatCredit union Richmond, VA87 out of 100, Very strong$64.6M18.5%0.69%vs
Dominion Energy Credit UnionCredit union North Chesterfi, VA84 out of 100, Strong$336.4M14.3%0.43%vs