Middletown, New York · Peer group 6
Heritage Financial Credit Union
Heritage Financial Credit Union holds $801.8M in assets across 57,460 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1940. Charter number 24985, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $801.8M |
|---|---|
| Total loans | $652.4M |
| Total shares (deposits) | $664.9M |
| Net worth | $82.3M |
| Members | 57,460 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 7.1% | |
|---|---|---|
| Loans | 3.6% | around the 44th percentile of its peer group |
| Deposits | 9.0% | around the 85th percentile of its peer group |
| Members | 7.0% | higher than 94% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 98.1% | around the 89th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.3% | around the 41st percentile of its peer group |
| Return on assets | 0.14% | lower than 91% of its peer group |
| Delinquency ratio | 1.17% | around the 85th percentile of its peer group |
| Cash / assets | 7.6% | around the 41st percentile of its peer group |
| Borrowings / assets | 8.2% | around the 87th percentile of its peer group |
What this page does not show
Everything above is Heritage Financial Credit Union’s own reported position. A CUSignals subscription adds the layer on top of it: how likely it is to merge, with a calibrated one-year probability; how attractive it would be to an acquirer; a liquidity-stress score and funding-need flag; whether it buys or sells loan participations; and which platforms it runs. Each score shows the plain-English reason it moved and the weights that built it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
- Sea Comm Credit Union
MASSENA, NY
$771.8M · 56,628 members
- First Heritage Credit Union
Corning, NY
$838.4M · 50,929 members
- Reliant Community Credit Union
Sodus, NY
$765.2M · 49,200 members
- Cornerstone Community Credit Union
LOCKPORT, NY
$725.9M · 44,162 members
- N C P D Credit Union
Plainview, NY
$916.0M · 16,398 members
- Northern Credit Union
WATERTOWN, NY
$682.1M · 45,187 members
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