American Heritage Federal Credit Union Philadelphia, Pennsylvania
American Heritage Federal Credit Union is a federal credit union headquartered in Philadelphia, PA, established in 1948 (NCUA charter 5621), and it is regulated and insured by the NCUA. At Q2 2026 it reported 330,603 members and total assets of $5.36B (up 3.9% from Q2 2025), the 5th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 8.54% at Q2 2026, in the well capitalized band.
Also written as American Heritage FCU · Trade name filed with the NCUA: American Heritage Credit Union
BankRegReports is independent of American Heritage Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 5621
- Headquarters
- Philadelphia, PA
- Established
- 1948
- Total assets, Q2 2026
- $5.36B
- Assets vs Q2 2025
- +3.9%
- Members, Q2 2026
- 330,603
- Net worth ratio, Q2 2026
- 8.54%
- Latest call report
- Q2 2026, NCUA 5300 · American Heritage Federal Credit Union call report
- Asset rank in state
- 5th of 269 in Pennsylvania
- Routing number
- 236082944
- Branches
- 36
It has 5,635 more members than on June 30, 2025 (+1.7%). Its net worth ratio was up 0.07 percentage points from 8.47% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.33B of $3.74B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.23% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 8.54% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in Pennsylvania
Credit unions merged into American Heritage Federal Credit Union
Trouvaille Federal Credit Union (2023) · St. Pauls Federal Credit Union (2022) · Viriva Community Credit Union (2021) · Unity Federal Credit Union (2019) · Pannonia Federal Credit Union (2018) · Holsey Temple Federal Credit Union (2018) · S M Federal Credit Union (2017) · Apex Community Federal Credit Union (2017)
Frequently asked about American Heritage Federal Credit Union
How big is American Heritage Federal Credit Union?
At Q2 2026 it reported total assets of $5.36B and 330,603 members.
Where is American Heritage Federal Credit Union headquartered?
It is headquartered in Philadelphia, PA, United States.
When was American Heritage Federal Credit Union founded?
It was established in 1948, per NCUA records.
Is American Heritage Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 5621): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates American Heritage Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is American Heritage Federal Credit Union well capitalized?
Its net worth ratio was 8.54% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is American Heritage Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.23% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is American Heritage Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 84.84% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Philadelphia, PA 19115
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1948
- NCUA Charter #
- 5621
- RSSD ID
- 801878
- Members
- 330,603
- Potential members
- 1,922,898
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 8.54% | 10.89% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.65% | 0.89% | 30th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 7.74% | 8.07% | 47th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.88% | 3.45% | 19th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 71.61% | 70.59% | 46th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.30% | 1.68% | 12th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.23% | 0.68% | 19th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.19% | 5.12% | 55th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 84.84% | 88.03% | 42nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.36B total assets against $5.15B; $4.41B total shares and deposits against $4.07B; $3.74B total loans against $3.91B.
$451.4M net worth against $427.6M.
8.54% net worth ratio against 8.47%.
84.84% loan-to-share ratio against 96.13%.
1.23% delinquency ratio against 1.24%.
0.65% return on assets against 0.72%; 7.74% return on equity against 8.66%.
2.88% net interest margin against 2.98%.
330,603 members against 324,968.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.54% | 0.65% | 1.23% | 84.84% |
| March 31, 2026 | 8.46% | 0.41% | 0.90% | 85.33% |
| December 31, 2025 | 8.47% | 0.66% | 1.11% | 85.06% |
| September 30, 2025 | 8.37% | 1.02% | 1.15% | 87.93% |
| June 30, 2025 | 8.47% | 0.72% | 1.24% | 96.13% |
| March 31, 2025 | 8.39% | 0.39% | 1.07% | 91.50% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.