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Heritage Financial
Middletown, NY · NCUA Charter #24985 · Federal charter · Chartered 1940
Total assets
$807.96M
Shares & deposits
$673.70M
Total loans
$667.37M
Members
58,517
Net worth
$82.93M
Branches
14
Rank: #562 of 4,299 U.S. credit unions by assets · #27 of 268 in New York. Assets changed - and membership - over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 10.26% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.70% |
| Loans to shares & deposits | 99.1% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2026 | $807.96M | $673.70M | $0 | $82.93M |
Branch footprint
| State | Branches |
|---|---|
| New York | 12 |
| Pennsylvania | 2 |
Similar-sized credit unions
Erie ($808.01M) · Smart Financial ($807.53M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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