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Overview / Commentary
50 W Commerce Rd
Richmond, VA 23224

Richmond Heritage Federal Credit Union is headquartered in Richmond and is the 104th largest credit union in the state of Virginia. It is also the 4,670th largest credit union in the nation. It was established in 1936 and as of March of 2016, it had grown to 2 employees and 1,846 members at 1 location. Richmond Heritage Federal Credit Union has a C- health rating.

Field of Membership Restrictions

Must be an employee of the Richmond Public School, Richmond Metropolitan Business League, Virginia Union University, Association Education Services Corporation of Virginia or the Richmond Community Hospital. Also open to those who live, work or worship in Blackwell, Manchester or Swansboro.
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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 very low asset base.

Health Grade Components

NCUA #1282
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD9.06%
Annual Interest Income$79.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$6.9MM$7.0MM
LoansQ1 2016vs Q1 2015$3.5MM$4.0MM
DepositsQ1 2016vs Q1 2015$6.4MM$6.5MM
Equity CapitalQ1 2016vs Q1 2015$574.00K$525.00K
Loan Loss AllowanceQ1 2016vs Q1 2015$57.00K$103.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$151.00K$72.00K
Real Estate OwnedQ1 2016vs Q1 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Richmond Heritage Federal Credit Union Savings Account Rates

0.10%*$10k*-Regular Share Account
OTHER TIERS: 0.05% $50 - $10k
0.05%--Vacation Club Account
0.05%--Christmas Club Account

Richmond Heritage Federal Credit Union CD Rates

0.75%$2k-12 Month Share CD
0.35%$2k-6 Month Share CD

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