TellerScore

Heritage Family Federal Credit Union is a federal credit union headquartered in Rutland, Vermont, in business for about 70 years. At the end of Q2 2026 it reported $869.8M in total assets and $736.1M in member shares and deposits, with 5 offices.

Heritage Family Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 1,341 credit unions with $100 million – $1 billion. Among 12 credit unions headquartered in Vermont, it ranks 3rd. Problem-loan coverage contributes the most (89/100, 5.6%); earnings contributes the least (60/100, 1.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.08%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.86%
Earnings60/100
Return on assets (annualized): 1.00%
Funding & liquidity74/100
Loans ÷ shares: 85.9% · 8.2% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.61%

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 (72 → 71).

TellerScore
677174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202469
Q1 202570
Q2 202572
Q3 202574
Q4 202571
Q1 202667
Q2 202671
Net worth ratio
7.00%9.58%12.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.42%
Q3 202411.42%
Q4 202411.65%
Q1 202511.63%
Q2 202511.88%
Q3 202512.17%
Q4 202512.13%
Q1 202611.95%
Q2 202612.08%
Delinquent loans (60+ days)
0.52%0.69%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.62%
Q3 20240.69%
Q4 20240.84%
Q1 20250.52%
Q2 20250.56%
Q3 20250.56%
Q4 20250.79%
Q1 20260.75%
Q2 20260.86%
Return on assets
0.45%0.74%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.86%
Q3 20240.88%
Q4 20240.88%
Q1 20250.53%
Q2 20250.87%
Q3 20251.03%
Q4 20251.01%
Q1 20260.45%
Q2 20261.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$869.8M12.08%0.86%1.00%85.9%
Q1 202667$852.9M11.95%0.75%0.45%88.4%
Q4 202571$832.1M12.13%0.79%1.01%90.6%
Q3 202574$812.3M12.17%0.56%1.03%88.7%
Q2 202572$808.5M11.88%0.56%0.87%85.4%
Q1 202570$806.8M11.63%0.52%0.53%83.0%
Q4 202469$772.9M11.65%0.84%0.88%86.4%
Q3 202470$773.4M11.42%0.69%0.88%86.4%
Q2 202470$757.1M11.42%0.62%0.86%86.3%

1,341 peers · $100 million – $1 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 ratio12.08%
59th
Problem loans0.86%
38th
Net charge-offs0.59%
27th
Return on assets1.00%
66th
Loans to deposits85.9%
26th
Uninsured deposits8.2%
28th
Loan-loss reserves0.00%
50th
Texas ratio5.6%
34th

Similar-size credit unions in Vermont

InstitutionScoreAssetsCapitalProblem loansCompare
802 Credit UnionCredit union Barre, VT67 out of 100, Moderate$507.7M12.5%1.50%vs
One Credit UnionCredit union Springfield, VT45 out of 100, Below average$263.6M7.8%1.52%vs
Green Mountain Credit UnionCredit union South Burlingto, VT45 out of 100, Below average$152.0M13.7%3.91%vs

Deposit insurance

Is my money safe at Heritage Family Federal Credit Union?

Yes. Heritage Family Federal Credit Union is a federally insured credit union (NCUA charter #24742). 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 8.2% of shares and deposits ($60.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Heritage Family Federal Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Heritage Family Federal Credit Union
Type
Federal credit union
NCUA charter #
24742
RSSD ID
668192
Primary regulator
NCUA
Established
1956
Headquarters
26 Allen St, Rutland, VT 05701
Employees
202

Quick answers

Heritage Family Federal Credit Union: common questions

Is Heritage Family Federal Credit Union NCUA insured?

Yes. Heritage Family Federal Credit Union is a federally insured credit union (NCUA charter #24742). 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 Heritage Family Federal Credit Union's TellerScore?

71 out of 100 (Strong), 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 Heritage Family Federal Credit Union have?

5 offices as of the latest NCUA data.