HERITAGE
Charter #16626 · Newburgh, IN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.15% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 4th percentile but its structural peers at the 49th — a 45-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.06B | 4th pct | 49th pct |
| Members | 64,342 | 14th pct | 49th pct |
| Net worth ratio | 11.81% | 69th pct | 69th pct |
| Return on average assets | 0.84% | 60th pct | 56th pct |
| Net interest margin | 3.34% | 48th pct | 28th pct |
| Cost of funds | 1.78% | 50th pct | 66th pct |
| Loan-to-share | 83.04% | 40th pct | 43th pct |
| Delinquency 60+ days | 0.15% | 4th pct | 3th pct |
| Net charge-off ratio | 0.33% | 26th pct | 28th pct |
| Loan growth YoY | 1.81% | 51th pct | 61th pct |
| Share growth YoY | 3.92% | 46th pct | 48th pct |
| Efficiency ratio | 79.73% | 76th pct | 67th pct |
structural peer set hash: 43e710b60201b184a78f24144fbfc991… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.