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
- MEM 80/100
- RANK 11.7%
- PHOTO 1.40%
- BOOK 0.92%
- CHARTER $164.0M
- NCUSIF 8,422
- CAMELS #2,749/4,374
- HEALTH LATAH
- NW 16113
Call Report peers
Heritage Grove in the assets neighbourhood
Heritage Grove's $164.0M assets sit next to LATAH ($164.0M) 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 Grove 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
80 36th percentile higher than 36% 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 Grove - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #16113: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Heritage Grove's 5300 filing moved
Heritage Grove: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $164.0M (2025Q4) to $166.3M (2026Q1).
- Net-worth ratio shifted -0.03 pp (11.76% → 11.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for Heritage Grove, both outside Oregon 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 ($164.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Oregon credit unions compare overall before assuming this one is typical. Oregon 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 Grove financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Heritage Grove carries a financial health score of 80/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,749 of 4,374; by total assets it ranks #1,425 of 4,374 nationally (same basis as /rankings/largest); and #24 of 48 within Oregon. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.73% net worth ratio and a 1.40% delinquency rate.
How does Heritage Grove compare to other credit unions?
PlainCU's health composite puts Heritage Grove at 80/100, compared to a peer group average for $100M–$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 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?
Federal credit unions like Heritage Grove 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 Grove's net worth ratio of 11.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Heritage Grove offer compared to banks?
Credit unions like Heritage Grove 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 Grove 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.