Headquartered in Richmond, Virginia, Richmond Heritage Federal Credit Union is a federal credit union with $10.6M in total assets and $6.7M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1936.
Richmond Heritage Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 59% of its 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 28th. Capital cushion contributes the most (100/100, 37.10%); earnings contributes the least (11/100, -0.23%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 2 points (76 → 78), mostly because the earnings component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 76 |
| Q4 2024 | 79 |
| Q1 2025 | 77 |
| Q2 2025 | 76 |
| Q3 2025 | 71 |
| Q4 2025 | 73 |
| Q1 2026 | 72 |
| Q2 2026 | 78 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 39.72% |
| Q3 2024 | 39.99% |
| Q4 2024 | 39.06% |
| Q1 2025 | 37.05% |
| Q2 2025 | 38.37% |
| Q3 2025 | 38.54% |
| Q4 2025 | 38.08% |
| Q1 2026 | 37.37% |
| Q2 2026 | 37.10% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.62% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.86% |
| Q4 2025 | 0.64% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.30% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -4.00% |
| Q3 2024 | -2.66% |
| Q4 2024 | -2.74% |
| Q1 2025 | -0.47% |
| Q2 2025 | -0.72% |
| Q3 2025 | -0.66% |
| Q4 2025 | -0.85% |
| Q1 2026 | -0.74% |
| Q2 2026 | -0.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $10.6M | 37.10% | 0.30% | -0.23% | 69.8% |
| Q1 2026 | 72 | $10.5M | 37.37% | 0.77% | -0.74% | 68.5% |
| Q4 2025 | 73 | $10.4M | 38.08% | 0.64% | -0.85% | 71.2% |
| Q3 2025 | 71 | $10.4M | 38.54% | 0.86% | -0.66% | 68.0% |
| Q2 2025 | 76 | $10.5M | 38.37% | 0.43% | -0.72% | 60.9% |
| Q1 2025 | 77 | $10.9M | 37.05% | 0.33% | -0.47% | 54.7% |
| Q4 2024 | 79 | $10.4M | 39.06% | 0.14% | -2.74% | 60.3% |
| Q3 2024 | 76 | $10.4M | 39.99% | 0.05% | -2.66% | 60.8% |
| Q2 2024 | 71 | $10.5M | 39.72% | 0.62% | -4.00% | 58.5% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| VA Beach Postal Federal Credit UnionCredit union Virginia Beach, VA | 80 out of 100, Strong | $10.0M | 13.0% | 0.50% | vs |
| Midway Federal Credit UnionCredit union Berryville, VA | 85 out of 100, Very strong | $9.7M | 23.6% | 0.00% | vs |
| Mosaic Federal Credit UnionCredit union Harrisonburg, VA | 39 out of 100, Low | $8.8M | 8.4% | 2.21% | vs |
| Metropolitan Church Federal Credit UnionCredit union Suffolk, VA | 53 out of 100, Below average | $12.7M | 26.9% | 8.12% | vs |
| Port of Hampton Roads Ila Federal Credit UnionCredit union Norfolk, VA | 67 out of 100, Moderate | $8.4M | 7.7% | 0.00% | vs |
| Virginia State University Federal Credit UnionCredit union South Chesterfi, VA | 52 out of 100, Below average | $13.0M | 9.2% | 1.93% | vs |
Deposit insurance
Is my money safe at Richmond Heritage Federal Credit Union?
Yes. Richmond Heritage Federal Credit Union is a federally insured credit union (NCUA charter #1282). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 37.10%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Richmond Heritage Federal Credit Union lists 2 offices in 1 city. Most locations:
- Richmond, VA (2)
Identity & history
Profile
- Legal name
- Richmond Heritage Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 1282
- RSSD ID
- 230674
- Primary regulator
- NCUA
- Established
- 1936
- Headquarters
- 50 W Commerce Rd, Richmond, VA 23224
- Employees
- 5
Quick answers
Richmond Heritage Federal Credit Union: common questions
Is Richmond Heritage Federal Credit Union NCUA insured?
Yes. Richmond Heritage Federal Credit Union is a federally insured credit union (NCUA charter #1282). 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 Richmond Heritage Federal Credit Union's TellerScore?
78 out of 100 (Strong), 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 Richmond Heritage Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Richmond
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of Southside VirginiaBank Carson, VA | 97 out of 100, Very strong | $670.3M | 23.4% | 0.08% | vs |
| Citizens Bank and Trust CompanyBank Blackstone, VA | 97 out of 100, Very strong | $577.6M | 15.4% | 0.23% | vs |
| 1st Advantage Federal Credit UnionCredit union Newport News, VA | 90 out of 100, Very strong | $1.1B | 16.7% | 0.45% | vs |
| Richmond Virginia Fire Police Credi Credit UnionCredit union Richmond, VA | 88 out of 100, Very strong | $21.2M | 15.4% | 0.55% | vs |
| Credit Union of Richmond IncorporatCredit union Richmond, VA | 87 out of 100, Very strong | $64.6M | 18.5% | 0.69% | vs |
| Dominion Energy Credit UnionCredit union North Chesterfi, VA | 84 out of 100, Strong | $336.4M | 14.3% | 0.43% | vs |