Heritage Financial
Middletown, NY · Charter 68711 · Peer group: credit unions under $1B in assets in NY (n=107)
NCUA · 14 branches
Q4 2025
$804.6MAssets
$657.7MLoans
$653.5MShares
$82.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 39% of credit unions under $1B in assets in NY (rank 65 of 107).
- Widest gap: tier 1 capital ratio trails 79% of credit unions under $1B in assets in NY (rank 84 of 107).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.50%
Rank 79 of 107
Net Interest Margin
3.42%
Rank 65 of 107
Efficiency Ratio
80.91%
Rank 70 of 107
Equity / Assets
10.19%
Rank 83 of 107
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.50% | 0.42% | 0.92% | 1.36% | Beats 26% | 79 / 107 | | |
| Return on Equity | 4.93% | 3.80% | 7.58% | 10.43% | Beats 32% | 73 / 107 | | |
| Net Interest Margin | 3.42% | 3.18% | 3.63% | 4.13% | Beats 39% | 65 / 107 | | |
| Efficiency Ratio | 80.91% | 65.85% | 74.81% | 83.64% | Beats 36% | 70 / 107 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.52% | 0.27% | 0.79% | 1.35% | Beats 22% | 84 / 107 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.19% | 10.29% | 11.95% | 14.95% | Beats 21% | 84 / 107 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.19% | 10.29% | 11.95% | 14.95% | Beats 22% | 83 / 107 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.64% | 43.75% | 61.23% | 78.36% | 97th pctl | 3 / 107 | | |
| Loans / Assets | 81.75% | 37.83% | 52.55% | 66.10% | 97th pctl | 3 / 107 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |