PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Heritage Family

Rutland, VT · Charter 24742

NCUA · 14 branches

Q2 2026

$869.8MAssets
$632.1MLoans
$736.1MShares
$105.1MNet Worth

Executive Summary

  • Earnings: ROA of 1.00%, up 13 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.86% of loans (+30 bps YoY).
  • Capital: net worth / assets of 12.08%, up 19 bps from a year ago.
  • Funding: loans stand at 85.88% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.00%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+22 bps YoY

Efficiency Ratio (YTD, annualized)

75.45%-92 bps YoY

Net Worth / Assets

12.08%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.88%0.53%0.87%1.03%1.01%0.45%1.00%+13 bps
Return on Equity7.67%7.58%4.53%7.30%8.48%8.31%3.74%8.24%+94 bps
Net Interest Margin3.84%3.88%4.11%4.23%4.30%4.32%4.47%4.45%+22 bps
Efficiency Ratio75.44%75.58%81.76%76.36%74.19%73.67%81.15%75.45%-92 bps
Growth
Asset Growth (YoY)3.97%4.61%6.79%6.79%5.03%7.66%5.71%7.58%+80 bps
Loan Growth (YoY)4.04%3.63%6.78%8.69%11.56%15.35%12.49%8.48%-21 bps
Share Growth (YoY)2.30%4.00%9.08%9.77%8.62%10.08%5.61%7.90%-187 bps
Asset Quality
Delinquent Loans / Loans0.69%0.84%0.52%0.56%0.56%0.79%0.75%0.86%+30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.43%11.66%11.64%11.89%12.17%12.14%11.95%12.08%+19 bps
Net Worth / Assets11.43%11.66%11.64%11.89%12.17%12.14%11.95%12.08%+19 bps
Liquidity & Funding
Loans / Shares86.39%86.42%82.95%85.42%88.72%90.56%88.35%85.88%+46 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps