RICHMOND HERITAGE
Federal • Richmond, Virginia • Est. 1936
Quick Facts
- Charter Number
- #1282
- Type
- Federal
- Established
- 1936
- Headquarters
- Richmond, Virginia 23224-2316
- Address
- 50 W Commerce Rd
- Branches
- 2
- Members
- 1,709
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,709 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | RICHMOND HERITAGE |
|---|---|
| Total Assets | $10.4M |
| Members | 1,709 |
| Loans Outstanding | $4.6M |
| Shares & Deposits | $6.4M |
| Net Worth | $4.0M |
| Net Worth Ratio | 38.08% |
| Loan-to-Share Ratio | 71.2% |
| Delinquency Rate | 0.64% |
| Net Income | $-29,774 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
Richmond Heritage FCU
Main Office50 W Commerce Rd
Richmond, VA 23224-2316
First Advantage Federal CU
1201 Broad Rock Blvd
Richmond, VA 23224-4915
Who Can Join RICHMOND HERITAGE?
Membership Type: Community
Membership eligibility for RICHMOND HERITAGE may vary. Contact the credit union directly to confirm qualification requirements.
Contact RICHMOND HERITAGE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Virginia RankingsFrequently Asked Questions
Yes. RICHMOND HERITAGE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, RICHMOND HERITAGE has 1,709 members and a potential membership field of 9,500 people.
RICHMOND HERITAGE's net worth ratio is 38.08% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 38.1%, RICHMOND HERITAGE meets this threshold.
RICHMOND HERITAGE operates 2 branch locations. The main office is located at 50 W Commerce Rd, Richmond, VA 23224-2316.
RICHMOND HERITAGE was established in 1936. It is a federal credit union chartered under charter number 1282. The institution has been serving members for 90 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or RICHMOND HERITAGE. All financial data is for informational purposes only.