BlastPoint's Credit Union Scorecard
RICHMOND HERITAGE
Charter #1282 · VA
RICHMOND HERITAGE has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.50% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.6% in tier
- + Loan Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.34% below tier average
- - Efficiency ratio 24.02% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,715
-0.1% YoY+0.9% QoQ
|
-910 |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
45% |
| Assets |
$10.4M
+0.0% YoY-0.8% QoQ
|
$-19.5M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
33% |
| Loans |
$4.3M
+13.3% YoY+10.4% QoQ
|
$-11.4M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$6.4M
+1.3% YoY-1.1% QoQ
|
$-19.1M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
28% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.7%
-75.0% YoY-6.4% QoQ
|
-1.3% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.6% in tier |
| NIM |
5.4%
+4.7% YoY+2.2% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
Top 7.9% in tier |
| Efficiency Ratio |
105.4%
+8.3% YoY+0.1% QoQ
|
+24.0% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Top 8.2% in tier |
| Delinquency Rate |
0.9%
+1673.5% YoY+99.0% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
57% |
| Loan To Share |
68.0%
+11.8% YoY+11.7% QoQ
|
+6.8% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$6,230
+5.9% YoY+2.3% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.6% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-97.0% YoY-69.7% QoQ
|
-14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)