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
- BOOK 97/100
- CHARTER 11.9%
- NCUSIF 0.79%
- CAMELS 0.82%
- HEALTH $832.1M
- NW 54,362
- DELQ #186/4,374
- ROA AZURA
- ASSETS 24742
Call Report peers
Heritage Family in the assets neighbourhood
Heritage Family's $832.1M assets sit next to AZURA ($830.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24742. See our deposit-insurance coverage note.
Heritage Family vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 90.56% here, 83.90% peer average (+6.66 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Heritage Family in Vermont
- Vermont health ordinal: #1 of 14.
- Vermont assets place: #4 of 14.
- Vermont membership ordinal: #4 of 14.
In-state ordinals use the live credit_unions table for VT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Heritage Family's 5300 filing moved
Heritage Family: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $832.1M (2025Q4) to $852.9M (2026Q1).
- Net-worth ratio shifted -0.18 pp (12.13% → 11.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Heritage Family's nationwide photo peers by assets and by health score, excluding Vermont charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($832.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Vermont credit unions compare overall before assuming this one is typical. Vermont state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Heritage Family financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Heritage Family carries a financial health score of 97/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #186 of 4,374; by total assets it ranks #538 of 4,374 nationally (same basis as /rankings/largest); and #4 of 14 within Vermont. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.95% net worth ratio and a 0.79% delinquency rate.
How does Heritage Family compare to other credit unions?
PlainCU's health composite puts Heritage Family at 97/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Heritage Family 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 Family's net worth ratio of 11.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Heritage Family offer compared to banks?
Credit unions like Heritage Family 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 Family directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.