HERITAGE FINANCIAL
Charter #24985 · Middletown, NY · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.14% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.17% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 33rd — a 37-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 FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $801.82M | 69th pct | 33th pct |
| Members | 57,460 | 84th pct | 48th pct |
| Net worth ratio | 10.26% | 47th pct | 49th pct |
| Return on average assets | 0.14% | 11th pct | 8th pct |
| Net interest margin | 3.53% | 50th pct | 49th pct |
| Cost of funds | 2.11% | 86th pct | 72th pct |
| Loan-to-share | 98.11% | 95th pct | 82th pct |
| Delinquency 60+ days | 1.17% | 85th pct | 79th pct |
| Net charge-off ratio | 0.59% | 66th pct | 74th pct |
| Loan growth YoY | — | — | — |
| Share growth YoY | — | — | — |
| Efficiency ratio | 82.82% | 71th pct | 66th pct |
structural peer set hash: 37e72bba3c371f5df16604d0a9382752… (reproducible)
Closest structural peers
This is the free public view
Claim HERITAGE FINANCIAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.