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RICHMOND HERITAGE FEDERAL CREDIT UNION

Dec, 31, 2020 — RICHMOND HERITAGE FEDERAL CREDIT UNION is a federal credit union headquartered in Richmond, VA with 1 branch location and about $7.44 million in total assets. Opened 85 years ago in 1936, RICHMOND HERITAGE FEDERAL CREDIT UNION has about 2,131 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 251082479
Name:RICHMOND HERITAGE FEDERAL CREDIT UNION
Address:
(Main Office)
50 W Commerce Rd
Richmond, VA 23224-2316
Phone:(804) 233-8872
Fax:(804) 233-8869
Website:http://www.richheritage.org
Branches:1 branch locations
Members:2,131
Credit Union Type:Federal Credit Union
Charter Number:1282
Membership Type:Multiple common bond - Primarily educational
Corporate Credit Union:No
Year Opened:1936
Last Audited:Dec 01, 2019
FHLB Member:No
Low Income Designation:No
Assets:$7,444,154
CEO/Manager:Randy N Cooper
Chairperson:Antione Green

Call Report

  • Indirect Consumer Loans
  • Overdraft Protection
  • Risk Based Loans
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Check Cashing

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 2,163,656
TOTAL INVESTMENTS 1,040,989
Loans Held for Sale 0
 
 Real Estate Loans 20,794
 Unsecured Loans 1,453,432
 Other Loans 2,571,884
 TOTAL LOANS 4,046,110
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -141,145
 Land And Building 233,249
 Other Fixed Assets 9,719
 NCUSIF Deposit 65,764
 All Other Assets 25,812
  TOTAL ASSETS 7,444,154
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities -1,933
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 778,219
 Regular shares 6,362,894
 All Other Shares & Deposits 42,729
  TOTAL SHARES & DEPOSITS 7,183,842
  TOTAL LIABILITIES 7,181,909
 Regular Reserve 42,487
 Other Reserves 0
 Undivided Earnings 219,758
  TOTAL EQUITY 262,245
  TOTAL LIABILITIES, SHARES, & EQUITY 7,444,154
INCOME & EXPENSE  
 Loan Income 400,850
 Investment Income 11,251
 Other Income 176,141
 Total Employee Compensation & Benefits 220,327
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 313,597
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 181,065
 Cost of Funds 837
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -127,584
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