Heritage Valley

York, PA · 1 · Charter #303 · www.heritagevalleyfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$128.9M
63th percentile
Members
13,630
85th percentile
Total loans
$65.6M
56th percentile
Total shares
$121.6M
70th percentile

Profitability

Return on assets
1.12%
57th percentile
Net interest margin
3.98%
68th percentile
Efficiency ratio
69.03%
29th percentile
Non-interest income ratio
27.47%
89th percentile

Capital & Risk

Net worth ratio
7.62%
2th percentile
Delinquency rate
1.62%
15th percentile
Net charge-off rate
1.36%
6th percentile
Loan-to-share
53.90%
25th percentile

Growth

Member growth YoY
0.29%
62th percentile
Asset growth YoY
10.53%
90th percentile
Loan growth YoY
1.85%
53th percentile
Share growth YoY
9.66%
87th percentile

Operations

Members / branch
4,543
77th percentile
Assets / member
$9,460
11th percentile
Field of membership penetration
1.23%
19th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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