Heritage Financial Credit Union

Overview / Commentary
25 Rykowski Ln
Middletown, NY 10941

Heritage Financial Credit Union is headquartered in Middletown and is the 31st largest credit union in the state of New York. It is also the 668th largest credit union in the nation. It was established in 1940 and as of September of 2022, it had grown to 130 employees and 46,129 members at 12 locations. Heritage Financial Credit Union has an A health rating.

Field of Membership Restrictions

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

NCUA #68711
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD11.88%
Annual Interest Income$14.6MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$577.5MM$525.0MM
LoansQ3 2022vs Q3 2021$457.2MM$409.4MM
DepositsQ3 2022vs Q3 2021$486.3MM$461.9MM
Equity CapitalQ3 2022vs Q3 2021$46.7MM$44.1MM
Loan Loss AllowanceQ3 2022vs Q3 2021$3.2MM$3.5MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$1.7MM$1.7MM
Real Estate OwnedQ3 2022vs Q3 2021$0$383.00K

Rates for Heritage Financial Credit Union are currently being reviewed.



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