Heritage Financial Credit Union

Overview / Commentary
25 Rykowski Ln
Middletown, NY 10941

Heritage Financial Credit Union is headquartered in Middletown and is the 29th largest credit union in the state of New York. It is also the 618th largest credit union in the nation. It was established in 1940 and as of June of 2023, it had grown to 138 employees and 48,841 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.
See current membership details


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Health Grade Components

NCUA #68711
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD10.72%
Annual Interest Income$13.8MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$655.7MM$589.3MM
LoansQ2 2023vs Q2 2022$521.1MM$435.6MM
DepositsQ2 2023vs Q2 2022$530.4MM$501.5MM
Equity CapitalQ2 2023vs Q2 2022$49.2MM$45.7MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$3.0MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$1.9MM$1.3MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0

Rates for Heritage Financial Credit Union are currently being reviewed.



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