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
Call Report peers
Parks Heritage in the assets neighbourhood
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Parks Heritage vs every NCUA-scored credit union
Parks Heritage sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New York, LINTON (#109) ties at 85/100; one place down, Gowanda Area (#111) ties at 85/100.
Parks Heritage Call Report trajectory
Parks Heritage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $40.4M (2025Q4) to $41.9M (2026Q1).
- Net-worth ratio shifted -0.40 pp (16.81% → 16.41%).
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
Parks Heritage gives up 15 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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'
Frequently Asked Questions
Is Parks Heritage financially healthy?
On its 2025Q4 NCUA 5300 filing, Parks Heritage scores 85/100 (Excellent), with a 16.41% net worth ratio and 0.26% of loans delinquent. It ranks #1,914 of 4,374 nationally on health and #110 of 272 in New York.
How does Parks Heritage compare to other credit unions?
Parks Heritage scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (70.65% vs 59.80%).
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?
Parks Heritage 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. Parks Heritage's net worth ratio of 16.41% 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.