Heritage Financial

Middletown, NY · 2 · Charter #68711 · www.heritagefcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$804.6M
88th percentile
Members
56,575
92th percentile
Total loans
$657.7M
93th percentile
Total shares
$557.6M
75th percentile

Profitability

Return on assets
0.51%
20th percentile
Net interest margin
3.42%
47th percentile
Efficiency ratio
59.47%
48th percentile
Non-interest income ratio
18.76%
48th percentile

Capital & Risk

Net worth ratio
10.19%
38th percentile
Delinquency rate
1.52%
11th percentile
Net charge-off rate
0.43%
49th percentile
Loan-to-share
117.96%
98th percentile

Growth

Member growth YoY
3.31%
79th percentile
Asset growth YoY
10.07%
86th percentile
Loan growth YoY
6.20%
62th percentile
Share growth YoY
5.58%
59th percentile

Operations

Members / branch
4,041
38th percentile
Assets / member
$14,222
32th percentile
Field of membership penetration
3.73%
46th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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