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RICHMOND HERITAGE FEDERAL CREDIT UNION

Sep, 30, 2022 — RICHMOND HERITAGE FEDERAL CREDIT UNION is a federal credit union headquartered in RICHMOND, VA with 1 branch location and about $12.56 million in total assets. Opened 87 years ago in 1936, RICHMOND HERITAGE FEDERAL CREDIT UNION has about 1,979 members and employs 8 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:https://www.richheritage.org
Branches:1 branch locations
Members:1,979
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:Jun 01, 2021
FHLB Member:No
Low Income Designation:No
Assets:$12,556,367
CEO/Manager:Randy N Cooper
Chairperson:Lamarr Johnson

Call Report

  • Payday Alternative Loans (PAL Loans)

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 7,627,532
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 9,517
 Unsecured Loans 1,471,713
 Other Loans 2,087,274
 TOTAL LOANS 3,568,504
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -68,033
 Land And Building 0
 Other Fixed Assets 41,153
 NCUSIF Deposit 72,094
 All Other Assets 7,175
  TOTAL ASSETS 12,556,367
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 6,218
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 3,500,000
 Share Drafts 1,137,084
 Regular shares 6,939,032
 All Other Shares & Deposits 10
  TOTAL SHARES & DEPOSITS 8,076,126
  TOTAL LIABILITIES 11,582,344
 Regular Reserve 0
 Other Reserves 0
 Undivided Earnings 974,023
  TOTAL EQUITY 974,023
  TOTAL LIABILITIES, SHARES, & EQUITY 12,556,367
INCOME & EXPENSE  
 Loan Income 226,966
 Investment Income 50,526
 Other Income 105,266
 Total Employee Compensation & Benefits 234,350
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 249,538
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -34,071
 Cost of Funds 23,186
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -26,724
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