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.

From Q2 2025 to Q2 2026, the score rose 2 points (75 → 77), mostly because the capital cushion component improved by 7 points.

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

Similar-size credit unions in Indiana

Yes. Heritage Federal Credit Union is a federally insured credit union (NCUA charter #16626). 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 8.8% of shares and deposits ($75.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.35%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Heritage Federal Credit Union lists 7 offices in 3 cities. Most locations:

• Evansville, IN (3)
• Newburgh, IN (3)
• Boonville, IN (1)

All branch addresses and map

In 2025, Heritage Federal Credit Union reported 907 home-loan applications under HMDA (LEI 254900YPMNKIA6O0HC78): 612 originated ($91,720,000 total), 174 denied, and 99 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Heritage Federal Credit Union

Type

Federal credit union

NCUA charter #

16626

RSSD ID

895381

Primary regulator

NCUA

Established

1965

Headquarters

8266 Bell Oaks Dr, Newburgh, IN 47630

Employees

222