HERITAGE FAMILY
Charter #24742 · Rutland, VT · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 11.95% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.52% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 79th percentile but its structural peers at the 36th — a 43-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 FAMILY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $852.90M | 79th pct | 36th pct |
| Members | 54,726 | 81th pct | 41th pct |
| Net worth ratio | 11.95% | 71th pct | 77th pct |
| Return on average assets | 0.45% | 33th pct | 26th pct |
| Net interest margin | 4.52% | 95th pct | 93th pct |
| Cost of funds | 1.28% | 37th pct | 34th pct |
| Loan-to-share | 88.35% | 72th pct | 64th pct |
| Delinquency 60+ days | 0.75% | 64th pct | 59th pct |
| Net charge-off ratio | 0.51% | 58th pct | 48th pct |
| Loan growth YoY | 4.51% | 88th pct | 82th pct |
| Share growth YoY | 4.94% | 66th pct | 66th pct |
| Efficiency ratio | 81.15% | 63th pct | 74th pct |
structural peer set hash: bfc6bbccf4d8636128f25468902dfbf7… (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.