Credit Union Safety Analysis
Is Heritage Financial Federal Credit Union Safe? Middletown, New York
Based on its Q2 2026 NCUA 5300 call report, Heritage Financial Federal Credit Union has a net worth ratio of 10.26%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.61%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Heritage Financial Federal Credit Union's net worth ratio is 10.26%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.26%
- Delinquency ratio (60+ days) (Q2 2026): 1.61%
- Return on assets (Q2 2026): 0.33%
- Loan-to-share ratio (Q2 2026): 99.06%
Heritage Financial Federal Credit Union (NCUA charter 24985, established 1940) reported $808.0M in assets and 58,517 members for Q2 2026 from Middletown, New York. It ranks 27 of 267 credit unions in New York by total assets. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $380.9M of $667.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.61% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.26% for Q1 2026 .
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.17% for Q1 2026 .
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.14% for Q1 2026 .
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 98.11% for Q1 2026 .
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $380.9M
- Used vehicle loans: $127.3M
- New vehicle loans: $56.6M
- Commercial loans: $54.1M
- Other unsecured loans and lines of credit: $42.5M
- Other secured non-real estate loans and lines of credit: $2.9M
- Non-federally guaranteed student loans: $17K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $808.0M | 10.26% | 1.61% | 0.33% | 99.06% |
| March 31, 2026 | $801.8M | 10.26% | 1.17% | 0.14% | 98.11% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Heritage Financial Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24985) · FFIEC NIC profile (RSSD 519977)
Frequently asked questions
Is Heritage Financial Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Heritage Financial Federal Credit Union's net worth ratio is 10.26%, above the 7% NCUA threshold for well capitalized.
Is Heritage Financial Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Heritage Financial Federal Credit Union is a federally insured credit union (NCUA charter 24985): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Heritage Financial Federal Credit Union's key safety ratios?
For Q2 2026, Heritage Financial Federal Credit Union reports net worth 10.26%, delinquency 1.61%, ROA 0.33%, loan-to-share 99.06%.
What happens to my money if Heritage Financial Federal Credit Union fails?
For Q2 2026, Heritage Financial Federal Credit Union held $673.7M in shares and deposits for 58,517 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.