Federal credit union · Newburgh, Indiana · NCUA charter #16626
HERITAGE
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $1.03B
- Total assets
- 64,497
- Members
- 11.8%
- Net-worth ratio
HERITAGE scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.03B; members 64,497; net-worth ratio 11.81%; health rank #638 of 4,374; healthier than 84th of scored peers.
NCUA 5300 Call Report masthead
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HERITAGE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HERITAGE sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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 HERITAGE diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 85.25% here, 83.90% peer average (+1.35 pp).
Indiana standing for HERITAGE
- Indiana health ordinal: #13 of 124.
- By total assets, HERITAGE is #14 of 124 in Indiana.
- Membership ranks #14 of 124 among Indiana CUs with a reported count (64,497 members).
- One place up in Indiana, GENERATIONS (#12) ties at 93/100; one place down, Indiana University (#14) ties at 93/100.
How HERITAGE's 5300 filing moved
HERITAGE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $1.03B (2025Q4) to $1.06B (2026Q1).
- Net-worth ratio shifted -0.10 pp (11.91% → 11.81%).
At 11.81%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
HERITAGE gives up 7 points in total. Member Growth costs the most, 6.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for HERITAGE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.81% | +0.63 pp |
| Delinquency Rate | 0.27% | -0.60 pp |
| Return on Assets | 0.70% | +0.20 pp |
| Member Growth | -0.47% | - |
| Loan-to-Share Ratio | 85.25% | +1.35 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - HERITAGE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.06B | - |
| 2025Q4 | $1.03B | 64,497 |
| 2024Q4 | $984.1M | 64,803 |
| 2023Q4 | $942.6M | 66,082 |
Credit Union Details
- Charter Number
- 16626
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Indiana
- City
- Newburgh
- Data Quarter
- 2025Q4
Branch Locations (22)
The NCUA branch filing lists 22 physical offices for HERITAGE, spread across 10 cities in 2 states.
| Office | City |
|---|---|
| Newburgh - Bell Oaks (Main Office) | Newburgh, IN |
| Boonville | Boonville, IN |
| Elberfeld | Elberfeld, IN |
| Evansville West - Pearl Drive | Evansville, IN |
| Evansville East - Vogel Road | Evansville, IN |
| Evansville Central - First Avenue | Evansville, IN |
| Evansville North - Boonville New Harmony | Evansville, IN |
| Lending Center | Evansville, IN |
| Evansville South - Washington Avenue | Evansville, IN |
| Evansville East - N. Green River | Evansville, IN |
| Evansville East - Burkhardt | Evansville, IN |
| Haubstadt | Haubstadt, IN |
| Henderson | Henderson, KY |
| Henderson KY - Gibbs | Henderson, KY |
| Jeffersonville | Jeffersonville, IN |
| Mt. Vernon | Mount Vernon, IN |
| New Harmony | New Harmony, IN |
| Newburgh - SR 66 | Newburgh, IN |
| Administration Bldg | Newburgh, IN |
| Headquarters | Newburgh, IN |
| Virtual Banking Center | Newburgh, IN |
| Owensboro | Owensboro, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Cross-state Call Report peers for HERITAGE
Similar total assets
Similar health score
Using this data
- HERITAGE ranks #638 of 4,374 nationally on financial health and #13 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Midwest America is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Midwest America
Frequently Asked Questions
Is HERITAGE financially healthy?
On its 2025Q4 NCUA 5300 filing, HERITAGE scores 93/100 (Excellent), with a 11.81% net worth ratio and 0.27% of loans delinquent. It ranks #638 of 4,374 nationally on health and #13 of 124 in Indiana.
How does HERITAGE compare to other credit unions?
HERITAGE scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (85.25% vs 83.90%).
How can I join HERITAGE?
HERITAGE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact HERITAGE directly for the exact boundaries and application steps.
Is my money safe at HERITAGE?
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. HERITAGE's net worth ratio of 11.81% 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.