Federal credit union · GLENS FALLS, New York · NCUA charter #16933
Parks Heritage
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $40.4M
- Total assets
- 3,695
- Members
- 16.4%
- Net-worth ratio
Parks Heritage scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.4M; members 3,695; net-worth ratio 16.41%; health rank #1,914 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,914 of 4,374 health · 2025Q4Parks Heritage · health 85/100 · $40.4M · 2025Q4
- NCUSIF 85/100
- CAMELS 16.4%
- HEALTH 0.26%
- NW 0.95%
- DELQ $40.4M
- ROA 3,695
- ASSETS #1,914/4,374
- MEM Credit Union One of Oklahoma
- RANK 16933
Call Report peers
Parks Heritage in the assets neighbourhood
Parks Heritage's $40.4M assets sit next to Credit Union One of Oklahoma ($40.4M) 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.
Parks Heritage 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
85 Top 46% higher than 54% 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
Parks Heritage - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #16933: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Parks Heritage vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +10.85 pp (70.65% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Parks Heritage in New York
- New York health ordinal: #110 of 272.
- New York assets place: #143 of 272.
- New York membership ordinal: #125 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.
Parks Heritage Call Report trajectory
Parks Heritage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $40.4M (2025Q4) to $41.9M (2026Q1).
- Net-worth ratio shifted -0.40 pp (16.81% → 16.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.41% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Parks Heritage
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.41% | +1.55 pp |
| Delinquency Rate | 0.26% | -0.89 pp |
| Return on Assets | 0.95% | +0.24 pp |
| Member Growth | -6.10% | - |
| Loan-to-Share Ratio | 70.65% | +10.85 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $41.9M | - |
| 2025Q4 | $40.4M | 3,695 |
| 2024Q4 | $37.3M | 3,935 |
| 2023Q4 | $35.7M | 3,890 |
Credit Union Details
- Charter Number
- 16933
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- GLENS FALLS
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Parks Heritage runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Parks Heritage Federal Credit Union (Main Office) | Glens Falls, NY |
| Computer Marketing Corp. | Sandy, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Parks Heritage nationwide neighbourhoods
Cross-state asset and health neighbours for Parks Heritage - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($40.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Parks Heritage ranks #1,914 of 4,374 nationally on financial health and #110 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Westchester Schools' is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Westchester Schools'
- 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 Parks Heritage financially healthy?
A 16.41% net worth ratio and a 0.26% delinquency rate feed into Parks Heritage's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,914 of 4,374; by total assets it ranks #2,594 of 4,374 nationally (same basis as /rankings/largest); and #143 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Parks Heritage compare to other credit unions?
PlainCU's health composite puts Parks Heritage at 85/100, compared to a peer group average for $10M–$50M 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 Parks Heritage?
Parks Heritage 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 Parks Heritage directly for the exact boundaries and application steps.
Is my money safe at Parks Heritage?
Federal credit unions like Parks Heritage 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. Parks Heritage's net worth ratio of 16.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Parks Heritage offer compared to banks?
Credit unions like Parks Heritage 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 Parks Heritage 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.