Federal credit union · Salem, Oregon · NCUA charter #16113
Heritage Grove
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $164.0M
- Total assets
- 8,422
- Members
- 11.7%
- Net-worth ratio
Heritage Grove scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $164.0M; members 8,422; net-worth ratio 11.73%; health rank #2,749 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,749 of 4,374 health · 2025Q4Heritage Grove · health 80/100 · $164.0M · 2025Q4
Call Report peers
Heritage Grove in the assets neighbourhood
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Heritage Grove vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Heritage Grove sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Heritage Grove diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Return on Assets: +0.30 pp (0.92% vs 0.62%).
- Loan-to-Share Ratio trails the peer set - 71.10% here, 72.20% peer average (-1.10 pp).
Oregon standing for Heritage Grove
- In Oregon, health place is #34 of 48 on the same NCUA-ratio sort used nationally.
- By total assets, Heritage Grove is #24 of 48 in Oregon.
- Oregon membership ordinal: #27 of 48.
- One place up in Oregon, Old West (#33) ties at 80/100; one place down, WAUNA (#35) ties at 80/100.
How Heritage Grove's 5300 filing moved
Heritage Grove: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $164.0M (2025Q4) to $166.3M (2026Q1).
- Net-worth ratio shifted -0.03 pp (11.76% → 11.73%).
11.73% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
Heritage Grove gives up 20 points in total. Member Growth costs the most, 12.3 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.7 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Heritage Grove
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.73% | -0.38 pp |
| Delinquency Rate | 1.40% | +0.51 pp |
| Return on Assets | 0.92% | +0.30 pp |
| Member Growth | -3.48% | - |
| Loan-to-Share Ratio | 71.10% | -1.10 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Heritage Grove quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $166.3M | - |
| 2025Q4 | $164.0M | 8,422 |
| 2024Q4 | $153.5M | 8,726 |
| 2023Q4 | $148.2M | 9,105 |
Credit Union Details
- Charter Number
- 16113
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oregon
- City
- Salem
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Heritage Grove runs one office.
| Office | City |
|---|---|
| Heritage Grove FCU - 631 Winter St (Main Office) | Salem, OR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oregon
More federally-insured credit unions based in Oregon, ordered by peer group match and asset size.
Cross-state Call Report peers for Heritage Grove
Using this data
- Heritage Grove ranks #2,749 of 4,374 nationally on financial health and #34 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- 44 North is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 44 North
Frequently Asked Questions
Is Heritage Grove financially healthy?
On its 2025Q4 NCUA 5300 filing, Heritage Grove scores 80/100 (Excellent), with a 11.73% net worth ratio and 1.40% of loans delinquent. It ranks #2,749 of 4,374 nationally on health and #34 of 48 in Oregon.
How does Heritage Grove compare to other credit unions?
Heritage Grove scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (0.92% vs 0.62%). Its widest shortfall is loan-to-share ratio (71.10% vs 72.20%).
How can I join Heritage Grove?
Heritage Grove 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 Grove directly for the exact boundaries and application steps.
Is my money safe at Heritage Grove?
Heritage Grove 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 Grove's net worth ratio of 11.73% 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.