Federal credit union · Philadelphia, Pennsylvania · NCUA charter #5621
American Heritage
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $5.24B
- Total assets
- 327,568
- Members
- 8.5%
- Net-worth ratio
American Heritage scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.24B; members 327,568; net-worth ratio 8.46%; health rank #1,529 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,529 of 4,374 health · 2025Q4American Heritage · health 88/100 · $5.24B · 2025Q4
Call Report peers
American Heritage in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
American Heritage vs every NCUA-scored credit union
American Heritage sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where American Heritage diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +1.16 pp (85.06% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -2.72 pp (8.46% vs 11.18%).
Pennsylvania standing for American Heritage
- Pennsylvania health ordinal: #71 of 275.
- Pennsylvania assets place: #5 of 275.
- Member book place in Pennsylvania: #4 of 275.
- One place up in Pennsylvania, New Cumberland (#70) ties at 88/100; one place down, Erie City Employees (#72) scores 87/100, 1 point lower.
Quarter path for American Heritage
American Heritage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $5.24B (2025Q4) to $5.32B (2026Q1).
- Net-worth ratio shifted -0.01 pp (8.47% → 8.46%).
8.46% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
American Heritage gives up 12 points in total. Delinquency Rate costs the most, 5.8 of its 25; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 19.2 pts
- Return on Assets 15.0 pts
- Member Growth 12.5 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.46% | -2.72 pp |
| Delinquency Rate | 1.11% | +0.24 pp |
| Return on Assets | 0.50% | -0.01 pp |
| Member Growth | 2.94% | - |
| Loan-to-Share Ratio | 85.06% | +1.16 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
American Heritage filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.32B | - |
| 2025Q4 | $5.24B | 327,568 |
| 2024Q4 | $5.06B | 318,215 |
| 2023Q4 | $4.75B | 310,115 |
Credit Union Details
- Charter Number
- 5621
- Type
- Federal
- Field of Membership
- Select Employee Group
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- Philadelphia
- Data Quarter
- 2025Q4
Branch Locations (36)
The NCUA branch filing lists 36 physical offices for American Heritage, spread across 21 cities in 2 states.
| Office | City |
|---|---|
| Administrative Offices (Main Office) | Philadelphia, PA |
| Abington | Abington, PA |
| Bristol Office | Bristol, PA |
| Cherry Hill | Cherry Hill, NJ |
| Liberty Bell Plaza | Cherry Hill, NJ |
| East Norriton | East Norriton, PA |
| Fairless Hills | Fairless Hills, PA |
| Feasterville | Feasterville Trevose, PA |
| Glendora | Glendora, NJ |
| Horsham - Maple | Horsham, PA |
| Moore Road | King of Prussia, PA |
| Langhorne | Langhorne, PA |
| Lansdale | Lansdale, PA |
| Limerick | Limerick, PA |
| Evesham | Marlton, NJ |
| Moorestown | Moorestown, NJ |
| New Britain | New Britain, PA |
| Perkasie | Perkasie, PA |
| Red Lion Carriage House | Philadelphia, PA |
| Hunting Park | Philadelphia, PA |
| Market Street | Philadelphia, PA |
| CHOP | Philadelphia, PA |
| Red Lion Drive Thru | Philadelphia, PA |
| Rhawn Street | Philadelphia, PA |
| Spring Garden | Philadelphia, PA |
| Bridge Street | Philadelphia, PA |
| Parkside (Shoprite) | Philadelphia, PA |
| Roxborough (Shoprite) | Philadelphia, PA |
| Fox Street (Shoprite) | Philadelphia, PA |
| Naval Support Activity (NSA) | Philadelphia, PA |
| Market Street East | Philadelphia, PA |
| North Coventry | Pottstown, PA |
| Quakertown | Quakertown, PA |
| Ann's Choice | Warminster, PA |
| Warminster | Warminster, PA |
| Wayne | Wayne, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Other-state peers near American Heritage
Using this data
- American Heritage ranks #1,529 of 4,374 nationally on financial health and #71 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CITADEL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CITADEL
Frequently Asked Questions
Is American Heritage financially healthy?
On its 2025Q4 NCUA 5300 filing, American Heritage scores 88/100 (Excellent), with a 8.46% net worth ratio and 1.11% of loans delinquent. It ranks #1,529 of 4,374 nationally on health and #71 of 275 in Pennsylvania.
How does American Heritage compare to other credit unions?
American Heritage scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (85.06% vs 83.90%). Its widest shortfall is net worth ratio (8.46% vs 11.18%).
How can I join American Heritage?
American Heritage serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact American Heritage directly for the current list of qualifying groups.
Is my money safe at American Heritage?
American Heritage is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. American Heritage's net worth ratio of 8.46% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.