Heritage
Newburgh, IN · Charter 16626 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
$1.0BAssets
$718.6MLoans
$855.9MShares
$127.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 87% of credit unions $1B-$10B in assets (rank 58 of 435).
- Widest gap: efficiency ratio trails 76% of credit unions $1B-$10B in assets (rank 333 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.93%
Rank 165 of 435
Net Interest Margin
3.44%
Rank 200 of 435
Efficiency Ratio
78.21%
Rank 333 of 435
Equity / Assets
12.35%
Rank 121 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.55% | 0.81% | 1.14% | Beats 62% | 165 / 435 | |
| Return on Equity | 7.53% | 5.12% | 7.41% | 9.70% | Beats 51% | 212 / 435 | |
| Net Interest Margin | 3.44% | 3.01% | 3.39% | 3.75% | Beats 54% | 200 / 435 | |
| Efficiency Ratio | 78.21% | 65.25% | 71.39% | 77.86% | Beats 24% | 333 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.45% | 0.69% | 1.05% | Beats 87% | 58 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.35% | 9.81% | 10.84% | 12.63% | Beats 72% | 121 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.35% | 9.81% | 10.84% | 12.63% | Beats 72% | 121 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 83.95% | 78.33% | 88.38% | 95.61% | 38th pctl | 271 / 435 | |
| Loans / Assets | 69.63% | 67.69% | 74.58% | 80.80% | 32nd pctl | 295 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |