Heritage Family

Rutland, VT · 1 · Charter #24742 · www.hfcuvt.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
$832.1M
89th percentile
Members
54,362
91th percentile
Total loans
$630.3M
92th percentile
Total shares
$696.0M
89th percentile

Profitability

Return on assets
1.36%
76th percentile
Net interest margin
4.32%
91th percentile
Efficiency ratio
62.28%
36th percentile
Non-interest income ratio
22.67%
72th percentile

Capital & Risk

Net worth ratio
12.14%
67th percentile
Delinquency rate
0.79%
42th percentile
Net charge-off rate
0.45%
46th percentile
Loan-to-share
90.56%
75th percentile

Growth

Member growth YoY
7.21%
94th percentile
Asset growth YoY
7.66%
70th percentile
Loan growth YoY
15.35%
92th percentile
Share growth YoY
10.08%
88th percentile

Operations

Members / branch
4,530
48th percentile
Assets / member
$15,306
42th percentile
Field of membership penetration
6.39%
62th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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