TellerScore

Headquartered in Philadelphia, Pennsylvania, American Heritage Federal Credit Union is a federal credit union with $5.4B in total assets and $4.4B in member shares and deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1948.

Based on its Q2 2026 filing, American Heritage Federal Credit Union scores 51/100, which we describe as below average. That is higher than only 7% of 454 credit unions with $1 billion – $10 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 249th. Its strongest component is funding & liquidity (75/100; 85% loans-to-deposits, 16% uninsured), and its lowest is capital cushion (35/100; 8.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Net worth ratio: 8.54%
Loan quality59/100
Loans 60+ days delinquent ÷ total loans: 1.23%
Earnings41/100
Return on assets (annualized): 0.53%
Funding & liquidity75/100
Loans ÷ shares: 84.8% · 15.6% uninsured
Problem-loan coverage66/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 17.03%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (51 → 51).

TellerScore
515355Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202453
Q3 202453
Q4 202452
Q1 202552
Q2 202551
Q3 202554
Q4 202555
Q1 202655
Q2 202651
Net worth ratio
7.00%7.78%8.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.55%
Q3 20248.41%
Q4 20248.38%
Q1 20258.39%
Q2 20258.47%
Q3 20258.37%
Q4 20258.47%
Q1 20268.46%
Q2 20268.54%
Delinquent loans (60+ days)
0.90%1.07%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.07%
Q3 20241.00%
Q4 20241.12%
Q1 20251.07%
Q2 20251.24%
Q3 20251.15%
Q4 20251.11%
Q1 20260.90%
Q2 20261.23%
Return on assets
0.39%0.55%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.58%
Q4 20240.52%
Q1 20250.39%
Q2 20250.55%
Q3 20250.71%
Q4 20250.69%
Q1 20260.41%
Q2 20260.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$5.4B8.54%1.23%0.53%84.8%
Q1 202655$5.3B8.46%0.90%0.41%85.3%
Q4 202555$5.2B8.47%1.11%0.69%85.1%
Q3 202554$5.2B8.37%1.15%0.71%87.9%
Q2 202551$5.2B8.47%1.24%0.55%96.1%
Q1 202552$5.0B8.39%1.07%0.39%91.5%
Q4 202452$5.1B8.38%1.12%0.52%92.2%
Q3 202453$4.8B8.41%1.00%0.58%97.4%
Q2 202453$4.9B8.55%1.07%0.57%97.3%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.54%
6th
Problem loans1.23%
18th
Net charge-offs0.84%
21st
Return on assets0.53%
24th
Loans to deposits84.8%
59th
Uninsured deposits15.6%
12th
Loan-loss reserves0.00%
50th
Texas ratio17.0%
3rd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Citadel Federal Credit UnionCredit union Exton, PA61 out of 100, Moderate$6.9B9.3%0.33%vs
Trumark Financial Credit UnionCredit union Fort Washington, PA64 out of 100, Moderate$3.6B10.7%0.54%vs
Franklin Mint Federal Credit UnionCredit union Chadds Ford, PA57 out of 100, Moderate$2.2B8.7%0.83%vs
Clearview Federal Credit UnionCredit union Moon Township, PA69 out of 100, Moderate$2.2B11.2%0.69%vs
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
Philadelphia Federal Credit UnionCredit union Philadelphia, PA71 out of 100, Strong$2.0B12.5%0.99%vs

Deposit insurance

Is my money safe at American Heritage Federal Credit Union?

Yes. American Heritage Federal Credit Union is a federally insured credit union (NCUA charter #5621). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 15.6% of shares and deposits ($689.0M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 8.54%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

14 locations

Branches

American Heritage Federal Credit Union lists 14 offices in 7 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
American Heritage Federal Credit Union
Type
Federal credit union
NCUA charter #
5621
RSSD ID
801878
Primary regulator
NCUA
Established
1948
Headquarters
2060 Red Lion Road, Philadelphia, PA 19115
Employees
714

Quick answers

American Heritage Federal Credit Union: common questions

Is American Heritage Federal Credit Union NCUA insured?

Yes. American Heritage Federal Credit Union is a federally insured credit union (NCUA charter #5621). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is American Heritage Federal Credit Union's TellerScore?

51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does American Heritage Federal Credit Union have?

14 offices as of the latest NCUA data.

Nearby

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