State credit union · Middletown, New York · NCUA charter #68711
Heritage Financial
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $804.6M
- Total assets
- 56,575
- Members
- 10.2%
- Net-worth ratio
Heritage Financial scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $804.6M; members 56,575; net-worth ratio 10.19%; health rank #3,414 of 4,374; healthier than 21st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,414 of 4,374 health · 2025Q4Heritage Financial · health 73/100 · $804.6M · 2025Q4
- NCUSIF 73/100
- CAMELS 10.2%
- HEALTH 1.52%
- NW -0.06%
- DELQ $804.6M
- ROA 56,575
- ASSETS #3,414/4,374
- MEM National Institutes of Health
- RANK 68711
Call Report peers
Heritage Financial in the assets neighbourhood
Heritage Financial's $804.6M assets sit next to National Institutes of Health ($804.4M) 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 Financial 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
73 21st percentile higher than 21% 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 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: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 100.64% vs peer 83.90% (+16.74 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.99 pp (10.19% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Heritage Financial: in-state Call Report ranks
- In New York, health place is #197 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, Heritage Financial is #27 of 272 in New York.
- New York membership ordinal: #23 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Heritage Financial Call Report trajectory
Heritage Financial: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved +10.1% from $731.0M (2024Q4) to $804.6M (2025Q4).
- Membership moved +3.3% from 54,761 to 56,575 over the same window.
- Net-worth ratio shifted -0.51 pp (10.70% → 10.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.19%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.1 pts
- Return on Assets 3.9 pts
- Member Growth 13.0 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.19% | -0.99 pp |
| Delinquency Rate | 1.52% | +0.64 pp |
| Return on Assets | -0.06% | -0.57 pp |
| Member Growth | 3.31% | - |
| Loan-to-Share Ratio | 100.64% | +16.74 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 Financial filing history
| 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
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Heritage Financial, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($804.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- Heritage Financial ranks #3,414 of 4,374 nationally on financial health and #197 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Heritage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Heritage
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 Financial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Heritage Financial carries a financial health score of 73/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,414 of 4,374; by total assets it ranks #551 of 4,374 nationally (same basis as /rankings/largest); and #27 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.19% 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 73/100, 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 10.19% exceeds 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.
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.