Credit Union Safety Analysis
Is Heritage Valley Federal Credit Union Safe? York, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Heritage Valley Federal Credit Union has a net worth ratio of 7.79%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.21%, 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 Valley Federal Credit Union's net worth ratio is 7.79%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.79%
- Delinquency ratio (60+ days) (Q2 2026): 1.21%
- Return on assets (Q2 2026): 0.77%
- Loan-to-share ratio (Q2 2026): 51.86%
Heritage Valley Federal Credit Union (NCUA charter 303, established 1935) reported $131.3M in assets and 13,587 members for Q2 2026 from York, Pennsylvania. It ranks 69 of 269 credit unions in Pennsylvania by total assets. Total assets grew 4.8% from $125.3M on June 30, 2025. It has 39 more members than on June 30, 2025 (+0.3%). Its net worth ratio was up 0.25 percentage points from 7.54% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $33.3M of $64.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.21% 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: 7.54% for Q1 2026; 7.54% for Q2 2025.
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: 1.27% for Q1 2026; 1.82% for Q2 2025.
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: 0.49% for Q1 2026; 0.41% for Q2 2025.
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: 50.99% for Q1 2026; 54.76% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $33.3M
- Used vehicle loans: $12.2M
- Other unsecured loans and lines of credit: $5.5M
- New vehicle loans: $4.8M
- Unsecured credit card loans: $4.7M
- Non-federally guaranteed student loans: $4.0M
- Commercial loans: $139K
- Other secured non-real estate loans and lines of credit: $75K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $131.3M | 7.79% | 1.21% | 0.77% | 51.86% |
| March 31, 2026 | $132.3M | 7.54% | 1.27% | 0.49% | 50.99% |
| December 31, 2025 | $128.9M | 7.61% | 1.62% | 0.09% | 53.90% |
| September 30, 2025 | $127.4M | 7.67% | 1.73% | 1.68% | 54.88% |
| June 30, 2025 | $125.3M | 7.54% | 1.82% | 0.41% | 54.76% |
| March 31, 2025 | $123.0M | 7.58% | 1.59% | -0.18% | 54.65% |
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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 Valley Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 303) · FFIEC NIC profile (RSSD 35776)
Frequently asked questions
Is Heritage Valley Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Heritage Valley Federal Credit Union's net worth ratio is 7.79%, above the 7% NCUA threshold for well capitalized.
Is Heritage Valley Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Heritage Valley Federal Credit Union is a federally insured credit union (NCUA charter 303): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Heritage Valley Federal Credit Union's key safety ratios?
For Q2 2026, Heritage Valley Federal Credit Union reports net worth 7.79%, delinquency 1.21%, ROA 0.77%, loan-to-share 51.86%.
What happens to my money if Heritage Valley Federal Credit Union fails?
For Q2 2026, Heritage Valley Federal Credit Union held $125.0M in shares and deposits for 13,587 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.