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 1.56% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.8% in tier
- + Loan Growth Rate: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.47% below tier average
- - Efficiency ratio 21.63% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 7.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,709
+1.6% YoY-0.3% QoQ
|
-906 |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$10.4M
+0.1% YoY+0.1% QoQ
|
$-19.8M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$4.6M
+20.3% YoY+5.8% QoQ
|
$-11.2M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$6.4M
+1.8% YoY+1.0% QoQ
|
$-19.3M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
-0.9%
-69.0% YoY+28.5% QoQ
|
-1.5% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.5% in tier |
| NIM |
5.5%
-3.1% YoY+1.4% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 7.1% in tier |
| Efficiency Ratio |
104.2%
+1.3% YoY-1.2% QoQ
|
+21.6% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 8.6% in tier |
| Delinquency Rate |
0.6%
+351.2% YoY-26.2% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
71.2%
+18.2% YoY+4.7% QoQ
|
+10.6% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$6,435
+7.0% YoY+3.3% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.1% in tier |
| CD Concentration | 0.2% | -24.2% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY-100.0% QoQ
|
-13.8% | 13.8% | 9.6% | 7.8% | 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)