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.
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NCUA 5300 Call Report Masthead
#3,414 of 4,374 health · 2025Q4Heritage Financial · health 73/100 · $804.6M · 2025Q4
Call Report peers
Heritage Financial in the assets neighbourhood
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Heritage Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Heritage Financial sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New York, Van Cortlandt Cooperative (#196) ties at 73/100; one place down, UKRAINIAN (#198) ties at 73/100.
Heritage Financial Call Report trajectory
Heritage Financial: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- 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%).
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
Heritage Financial gives up 27 points in total. Return on Assets costs the most, 11.1 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Heritage Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Heritage Financial scores 73/100 (Very Good), with a 10.19% net worth ratio and 1.52% of loans delinquent. It ranks #3,414 of 4,374 nationally on health and #197 of 272 in New York.
How does Heritage Financial compare to other credit unions?
Heritage Financial scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (100.64% vs 83.90%). Its widest shortfall is net worth ratio (10.19% vs 11.18%).
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?
Heritage Financial is a state-chartered 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 Financial's net worth ratio of 10.19% 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.