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 1.39% above tier average
- + Net Worth Ratio: Top 3.1% in tier
- + Loan Growth Rate: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.26% below tier average
- - Efficiency ratio 6.17% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 7.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Virginia.
- Shares and deposits +3.8% year over year ($6.7M in shares and deposits).
- Membership: 1,736 members, +2.1% vs a year ago.
- Delinquency rate 0.30%.
- Return on assets 0.23%.
- Efficiency ratio 94.94% vs a 88.77% peer average.
- Loan-to-share ratio 69.84% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,736
+2.1% YoY+1.0% QoQ
|
-849 |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$10.6M
+1.6% YoY+0.9% QoQ
|
$-19.6M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$4.7M
+19.0% YoY+3.2% QoQ
|
$-10.8M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$6.7M
+3.8% YoY+1.2% QoQ
|
$-19.1M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
28% |
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| ROA |
0.2%
-132.8% YoY-131.3% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.5% in tier |
| NIM |
5.3%
-0.5% YoY+0.3% QoQ
|
+1.4% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
Top 7.9% in tier |
| Efficiency Ratio |
94.9%
-9.8% YoY-2.4% QoQ
|
+6.2% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
0.3%
-31.1% YoY-61.4% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
31% |
| Loan To Share |
69.8%
+14.7% YoY+1.9% QoQ
|
+10.9% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$6,533
+7.3% YoY+1.0% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.1% in tier |
| CD Concentration |
0.8%
+57.0% QoQ
|
-23.8% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.3% | 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)