Heritage Financial Credit Union
| Weiss Ratings |
Heritage Financial Credit Union
Middletown, NY |
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| Rating | ||||
| Asset Quality Index | 5.70 | |||
| Capitalization Index | 4.40 | |||
| Liquidity Index | 1.70 | |||
| Profitability Index | 4.00 | |||
| Stability Index | 3.60 | |||
| Company Info |
Heritage Financial Credit Union
Middletown, NY |
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| NCUA Charter Number | 1118 | |||
| Phone Number | (845) 561-5607 | |||
| Website | www.heritagefcu.com | |||
| Asset Quality |
Heritage Financial Credit Union
Middletown, NY |
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| 1-Year Asset Growth | 6.47% | |||
| 5-Year Asset Growth | 10.89% | |||
| 5-Year Charge-Offs to Average Loans | 0.37% | |||
| Charge-Offs to Average Loans | 0.47% | |||
| Non-Performing Assets to Assets | 1.24% | |||
| Non-Performing Loans to Capital | 16.63% | |||
| Non-Performing Loans to Loans | 1.36% | |||
| Balance Sheet |
Heritage Financial Credit Union
Middletown, NY |
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| Total Assets | 776.74M | |||
| Total Deposits | 635.54M | |||
| Capital and Reserves |
Heritage Financial Credit Union
Middletown, NY |
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| Capital | 52.53M | |||
| Leverage Ratio | 10.26 | |||
| Loan Loss Reserves to Loans | 0.81% | |||
| Liquidity |
Heritage Financial Credit Union
Middletown, NY |
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| Hot Money Ratio | 7.03% | |||
| Liquidity Ratio | 7.25% | |||
| Profitability |
Heritage Financial Credit Union
Middletown, NY |
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| 5-Year Return on Average Assets | 0.55% | |||
| Net Income | 1.42M | |||
| Net Interest Spread | 3.90% | |||
| Operating Profit to Average Assets | 0.79% | |||
| Overhead Efficiency Ratio | 83.03% | |||
| Return on Assets | 0.38% | |||
| Return on Equity | 5.51% | |||