Federal credit union · Rutland, Vermont · NCUA charter #24742
Heritage Family
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $832.1M
- Total assets
- 54,362
- Members
- 11.9%
- Net-worth ratio
Heritage Family scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $832.1M; members 54,362; net-worth ratio 11.95%; health rank #186 of 4,374; healthier than 95th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#186 of 4,374 health · 2025Q4Heritage Family · health 97/100 · $832.1M · 2025Q4
Call Report peers
Heritage Family in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Heritage Family vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Heritage Family sits in 95-99 with 391 others.
97 Top 5% higher than 95% 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
Heritage Family vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 90.56% here, 83.90% peer average (+6.66 pp).
Heritage Family in Vermont
- Vermont health ordinal: #1 of 14.
- Vermont assets place: #4 of 14.
- Vermont membership ordinal: #4 of 14.
- No Vermont credit union scores higher; the runner-up, VERMONT (#2) ties at 97/100.
How Heritage Family's 5300 filing moved
Heritage Family: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $832.1M (2025Q4) to $852.9M (2026Q1).
- Net-worth ratio shifted -0.18 pp (12.13% → 11.95%).
This credit union's 11.95% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Heritage Family gives up 3 points in total. Delinquency Rate costs the most, 2.9 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.95% | +0.77 pp |
| Delinquency Rate | 0.79% | -0.09 pp |
| Return on Assets | 0.82% | +0.31 pp |
| Member Growth | 7.21% | - |
| Loan-to-Share Ratio | 90.56% | +6.66 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Heritage Family quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $852.9M | - |
| 2025Q4 | $832.1M | 54,362 |
| 2024Q4 | $772.9M | 50,707 |
| 2023Q4 | $738.8M | 50,429 |
Credit Union Details
- Charter Number
- 24742
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Vermont
- City
- Rutland
- Data Quarter
- 2025Q4
Branch Locations (13)
Heritage Family operates 13 offices across 10 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Operations Center (Main Office) | Rutland, VT |
| Student Branch Office | Bennington, VT |
| Bennington Branch | Bennington, VT |
| 1340 Franklin St | Brandon, VT |
| Branch Office | Castleton, VT |
| Branch Office | Fair Haven, VT |
| Hooksett Branch | Hooksett, NH |
| Hoosick Falls | Hoosick Falls, NY |
| Branch Office | Ludlow, VT |
| Branch Office | Manchester Center, VT |
| Branch Office | Rutland, VT |
| Branch | Rutland, VT |
| Branch Office | South Londonderry, VT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Vermont
Other federally-insured credit unions in Vermont, closest first by peer group and asset size.
Cross-state Call Report peers for Heritage Family
Using this data
- Heritage Family ranks #186 of 4,374 nationally on financial health and #1 of 14 in VT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VERMONT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VERMONT
Frequently Asked Questions
Is Heritage Family financially healthy?
Heritage Family has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #186 of 4,374 nationally on health and #1 of 14 in Vermont. Its net worth ratio is 11.95% and its delinquency rate 0.79%.
How does Heritage Family compare to other credit unions?
Heritage Family scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.56% vs 83.90%).
How can I join Heritage Family?
Heritage Family 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 Family directly for the exact boundaries and application steps.
Is my money safe at Heritage Family?
Heritage Family 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 Family's net worth ratio of 11.95% 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.