Federal credit union · Newburgh, Indiana · NCUA charter #16626
Heritage
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $1.03B
- Total assets
- 64,497
- Members
- 10.3%
- Net-worth ratio
Heritage - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #16626, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Heritage - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth54
- Liquidity (loan-to-share)100
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.31% | 30% |
| Delinquency Rate | 0.27% | 25% |
| Return on Assets | 0.70% | 15% |
| Member Growth | -0.47% | 15% |
| Loan-to-Share Ratio | 85.25% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Heritage
Headquartered in Newburgh, Indiana, Heritage is a federal credit union with 64,497 members, $1.03B in total assets, and $716.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 93/100 (Excellent), driven in part by a net worth ratio of 10.31% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #16626 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 85.25% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.27% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.70% on net income of $7.2M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.47%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Heritage financially healthy?
Heritage scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.31% net worth ratio and a 0.27% delinquency rate.
How does Heritage compare to other credit unions?
93/100 is Heritage's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Heritage are 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 10.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Heritage offer compared to banks?
Credit unions like Heritage are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Heritage directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.