Heritage Financial Credit Union

Overview / Commentary
25 Rykowski Ln
Middletown, NY 10941

Heritage Financial Credit Union is headquartered in Middletown and is the 27th largest credit union in the state of New York. It is also the 581st largest credit union in the nation. It was established in 1940 and as of December of 2023, it had grown to 132 employees and 50,702 members at 12 locations. Heritage Financial Credit Union has a B+ health rating.

Field of Membership Restrictions

Heritage Financial Credit Union is open to those who live, work, worship, attend school, or volunteer in the New York counties of Dutchess, Orange, Ulster, Rockland, Sullivan, Pike, or Sussex.
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Health Grade Components

NCUA #68711
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD7.13%
Annual Interest Income$30.4MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$709.6MM$622.9MM
LoansQ4 2023vs Q4 2022$587.1MM$483.8MM
DepositsQ4 2023vs Q4 2022$565.6MM$511.4MM
Equity CapitalQ4 2023vs Q4 2022$50.5MM$47.2MM
Loan Loss AllowanceQ4 2023vs Q4 2022$4.4MM$3MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$4.3MM$2MM
Real Estate OwnedQ4 2023vs Q4 2022$318K$78K

Rates for Heritage Financial Credit Union are currently being reviewed.



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