State credit union · Middletown, New York · NCUA charter #68711
Heritage Financial
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $804.6M
- Total assets
- 56,575
- Members
- 6.9%
- Net-worth ratio
Heritage Financial - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68711, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Heritage Financial - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)73
- Asset quality (delinquency)65
- Earnings (ROA)26
- Member growth87
- Liquidity (loan-to-share)68
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 6.91%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.91% | 30% |
| Delinquency Rate | 1.52% | 25% |
| Return on Assets | -0.06% | 15% |
| Member Growth | 3.31% | 15% |
| Loan-to-Share Ratio | 100.64% | 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 | $804.6M | 56,575 |
| 2024Q4 | $731.0M | 54,761 |
| 2023Q4 | $709.6M | 50,702 |
Credit Union Details
- Charter Number
- 68711
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- New York
- City
- Middletown
- Data Quarter
- 2025Q4
What This Data Says About Heritage Financial
The five-factor composite scores Heritage Financial at 65/100 (Good), reflecting a net worth ratio of 6.91% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Middletown, New York, reports 56,575 members, $804.6M in total assets, and $657.7M in outstanding loans as of Q4 2025 under charter #68711 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
On loan book quality: 1.52% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 100.64% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.06% on net income of $-519376 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 3.31%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, 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 Financial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Heritage Financial carries a financial health score of 65/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.91% net worth ratio and a 1.52% delinquency rate.
How does Heritage Financial compare to other credit unions?
On PlainCU's health composite, Heritage Financial lands at 65/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Financial?
Membership eligibility for Heritage Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Heritage Financial directly for current membership requirements and application steps.
Is my money safe at Heritage Financial?
Federal credit unions like Heritage Financial 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 Financial's net worth ratio of 6.91% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Heritage Financial offer compared to banks?
Credit unions like Heritage Financial 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 Financial 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.