Federal credit union · York, Pennsylvania · NCUA charter #303
Heritage Valley
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $128.9M
- Total assets
- 13,630
- Members
- 7.5%
- Net-worth ratio
Heritage Valley scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $128.9M; members 13,630; net-worth ratio 7.54%; health rank #3,930 of 4,374; healthier than 10th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,930 of 4,374 health · 2025Q4Heritage Valley · health 64/100 · $128.9M · 2025Q4
- PHOTO 64/100
- BOOK 7.5%
- CHARTER 1.62%
- NCUSIF -0.06%
- CAMELS $128.9M
- HEALTH 13,630
- NW #3,930/4,374
- DELQ PLUS
- ROA 303
Call Report peers
Heritage Valley in the assets neighbourhood
Heritage Valley's $128.9M assets sit next to PLUS ($128.9M) 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 Valley 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
64 10th percentile higher than 10% 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 Valley - Share Insurance Coverage
Charter #303's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Heritage Valley: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 53.90% vs peer 72.20% (-18.30 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for Heritage Valley
- In Pennsylvania, health place is #245 of 275 on the same NCUA-ratio sort used nationally.
- Assets rank #68 of 275 inside Pennsylvania ($128.9M reported).
- Member book place in Pennsylvania: #55 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Heritage Valley Call Report trajectory
Heritage Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $128.9M (2025Q4) to $132.3M (2026Q1).
- Net-worth ratio shifted -0.07 pp (7.61% → 7.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 7.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 64/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 64.
- Net Worth Ratio 23.8 pts
- Delinquency Rate 15.4 pts
- Return on Assets 4.0 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 11.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.54% | -4.57 pp |
| Delinquency Rate | 1.62% | +0.72 pp |
| Return on Assets | -0.06% | -0.68 pp |
| Member Growth | 0.29% | - |
| Loan-to-Share Ratio | 53.90% | -18.30 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).
Call Report history - Heritage Valley
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $132.3M | - |
| 2025Q4 | $128.9M | 13,630 |
| 2024Q4 | $116.7M | 13,590 |
| 2023Q4 | $117.0M | 13,555 |
Credit Union Details
- Charter Number
- 303
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- York
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Heritage Valley.
| Office | City |
|---|---|
| Pleasant Valley Road Office (Main Office) | York, PA |
| Cape Horn Road Office | York, PA |
| Roosevelt Avenue Office | York, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Other-state peers near Heritage Valley
Cross-state asset and health neighbours for Heritage Valley - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($128.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (64/100 here).
Using this data
- Heritage Valley ranks #3,930 of 4,374 nationally on financial health and #245 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The One is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The One
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 Valley financially healthy?
Heritage Valley scores 64/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,930 of 4,374; by total assets it ranks #1,612 of 4,374 nationally (same basis as /rankings/largest); and #68 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.54% net worth ratio and a 1.62% delinquency rate.
How does Heritage Valley compare to other credit unions?
Five weighted metrics from NCUA filings produce Heritage Valley's 64/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Valley?
Heritage Valley 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 Valley directly for the exact boundaries and application steps.
Is my money safe at Heritage Valley?
Federal credit unions like Heritage Valley 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 Valley's net worth ratio of 7.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Heritage Valley offer compared to banks?
Credit unions like Heritage Valley 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 Valley 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.