C
Heritage Financial Credit Union
Rating Date
September 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Heritage Financial Credit Union
Middletown, NY
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Rating C
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%