PackageTrendsPeer
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Heritage Financial

Middletown, NY · Charter 24985

Q2 2026

$808.0MAssets
$667.4MLoans
$673.7MShares
$82.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.23%; NIM at 3.56%.
  • Asset quality: problem loans at 1.61% of loans.
  • Capital: net worth / assets of 10.26%.
  • Funding: loans stand at 99.06% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.23%

Net Interest Margin (YTD, annualized)

3.56%

Efficiency Ratio (YTD, annualized)

82.44%

Net Worth / Assets

10.26%

Year to date, annualized, through each quarter.

MetricQ1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.23%n/a
Return on Equity1.37%2.27%n/a
Net Interest Margin3.53%3.56%n/a
Efficiency Ratio82.82%82.44%n/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Share Growth (YoY)n/an/an/an/a
Asset Quality
Delinquent Loans / Loans1.17%1.61%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans0.00%0.00%n/a
Capital
Risk-Based Capital10.26%10.26%n/a
Net Worth / Assets10.26%10.26%n/a
Liquidity & Funding
Loans / Shares98.11%99.06%n/a
Liquid Assets / Assets0.00%0.00%n/a