Heritage Financial Credit Union
Major Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.5 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Good asset quality (6.8). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.3 has resulted in Weak (1.8) profitability.
Asset Mix:
Consumer loans (35%), home mtgs (34%), other (31%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
25 Rykowski Lane
Middletown, NY 10941
Middletown, NY 10941
Phone Number
(845) 202-4696
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
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Long Island City, NY