Heritage Financial
Middletown, NY · Charter 24985 · Peer group: credit unions under $1B in assets in NY (n=59)
Q2 2026
$808.0MAssets
$667.4MLoans
$673.7MShares
$82.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 41% of credit unions under $1B in assets in NY (rank 35 of 59).
- Widest gap: equity / assets trails 86% of credit unions under $1B in assets in NY (rank 51 of 59).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.23%
Rank 47 of 59
Net Interest Margin
3.56%
Rank 35 of 59
Efficiency Ratio
82.44%
Rank 45 of 59
Equity / Assets
10.26%
Rank 51 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.23% | 0.28% | 1.01% | 1.42% | Beats 20% | 47 / 59 | |
| Return on Equity | 2.27% | 2.31% | 7.92% | 10.52% | Beats 22% | 46 / 59 | |
| Net Interest Margin | 3.56% | 3.24% | 3.66% | 4.04% | Beats 41% | 35 / 59 | |
| Efficiency Ratio | 82.44% | 63.53% | 74.15% | 82.44% | Beats 25% | 45 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.61% | 0.32% | 0.68% | 1.20% | Beats 17% | 50 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.26% | 10.94% | 13.05% | 16.06% | Beats 14% | 51 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.26% | 10.94% | 13.05% | 16.06% | Beats 14% | 51 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 99.06% | 40.49% | 57.59% | 78.86% | 98th pctl | 1 / 59 | |
| Loans / Assets | 82.60% | 33.06% | 50.92% | 63.03% | 98th pctl | 1 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |