BlastPoint's Credit Union Scorecard
RICHMOND HERITAGE
Charter #1282 · VA
RICHMOND HERITAGE has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.27% above tier average
- + Net Worth Ratio: Top 2.9% in tier
- + Loan Growth Rate: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.89% below tier average
- - Efficiency ratio 6.61% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 5.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,719
+1.8% YoY+0.6% QoQ
|
-957 |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
45% |
| Assets |
$10.5M
-3.4% YoY+1.4% QoQ
|
$-19.7M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$4.5M
+20.6% YoY-1.2% QoQ
|
$-10.8M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$6.6M
-3.8% YoY+2.7% QoQ
|
$-19.2M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
-0.7%
+54.9% YoY-13.0% QoQ
|
-0.9% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.2% in tier |
| NIM |
5.3%
-1.3% YoY-4.3% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
Top 8.3% in tier |
| Efficiency Ratio |
97.2%
-9.8% YoY-6.7% QoQ
|
+6.6% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
0.8%
+137.9% YoY+21.5% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
56% |
| Loan To Share |
68.5%
+25.3% YoY-3.8% QoQ
|
+10.0% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
65% |
| AMR |
$6,466
+3.0% YoY+0.5% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 13.2% in tier |
| CD Concentration |
0.5%
+161.9% QoQ
|
-23.8% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.8% | 13.8% | 9.4% | 7.7% | 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)