Richmond Heritage

Richmond, VA · 1 · Charter #1282 · www.richheritage.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$10.4M
42th percentile
Members
1,709
58th percentile
Total loans
$4.6M
41th percentile
Total shares
$6.4M
36th percentile

Profitability

Return on assets
-0.52%
8th percentile
Net interest margin
5.51%
91th percentile
Efficiency ratio
100.77%
6th percentile
Non-interest income ratio
18.92%
81th percentile

Capital & Risk

Net worth ratio
38.08%
96th percentile
Delinquency rate
0.64%
53th percentile
Net charge-off rate
1.70%
8th percentile
Loan-to-share
71.22%
65th percentile

Growth

Member growth YoY
1.61%
81th percentile
Asset growth YoY
0.13%
42th percentile
Loan growth YoY
20.31%
96th percentile
Share growth YoY
1.81%
57th percentile

Operations

Members / branch
855
40th percentile
Assets / member
$6,081
24th percentile
Field of membership penetration
17.99%
31th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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