RICHMOND HERITAGE
Charter #1282 · Richmond, VA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,719 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 37.37% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.75% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 5.31% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 2.25% sits at the 85th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | RICHMOND HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.54M | 2th pct | 52th pct |
| Members | 1,719 | 34th pct | 75th pct |
| Net worth ratio | 37.37% | 99th pct | 80th pct |
| Return on average assets | -0.75% | 8th pct | 13th pct |
| Net interest margin | 5.31% | 95th pct | 84th pct |
| Cost of funds | 0.67% | 42th pct | 56th pct |
| Loan-to-share | 68.52% | 68th pct | 48th pct |
| Delinquency 60+ days | 0.77% | 59th pct | 41th pct |
| Net charge-off ratio | 2.25% | 96th pct | 85th pct |
| Loan growth YoY | 4.49% | 91th pct | 90th pct |
| Share growth YoY | 3.71% | 63th pct | 79th pct |
| Efficiency ratio | 97.25% | 86th pct | 77th pct |
structural peer set hash: 1416cc171cb7921b3e73df7fa9a58ec5… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.