Richmond Heritage Federal Credit Union


Overview / Commentary
804-233-8872
50 W Commerce Rd
Richmond, VA 23224

Richmond Heritage Federal Credit Union is headquartered in Richmond and is the 76th largest credit union in the state of Virginia. It is also the 3,596th largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 4 employees and 1,689 members at 1 location. Richmond Heritage Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership in Richmond Heritage Federal Credit Union is open to those who live, worship, or work in the communities of Blackwell, Swansboro, and Manchester or employees of Richmond Public Schools, Virginia Union University, Metropolitan Business League, Bon secours Richmond Community Hospital, or Association Education Services Corporation of Virginia.
See current membership details

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Richmond Heritage Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #1282
Year Chartered1936
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD-0.48%
Return on Equity - YTD-9.53%
Annual Interest Income$150K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$10.9MM$10.5MM
LoansQ1 2025vs Q1 2024$3.7MM$3.4MM
DepositsQ1 2025vs Q1 2024$6.9MM$10MM
Equity CapitalQ1 2025vs Q1 2024$534K$528K
Loan Loss AllowanceQ1 2025vs Q1 2024$95K$108K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$12K$42K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

Rates for Richmond Heritage Federal Credit Union are currently being reviewed.

Locations


Richmond Heritage Federal Credit Union Locations
Branch Office50 W Commerce RdRichmond, VA 23224-2316

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