Heritage Financial Federal Credit Union is a federal credit union headquartered in Middletown, New York, in business for about 86 years. At the end of Q2 2026 it reported $808.0M in total assets and $673.7M in member shares and deposits, with 8 offices.
Based on its Q2 2026 filing, Heritage Financial Federal Credit Union scores 50/100, which we describe as below average. That is higher than only 6% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 239th. Its strongest component is problem-loan coverage (74/100; 13.2%), and its lowest is earnings (29/100; 0.23%).
TellerScore · Q2 2026
Scorecard
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.
2 quarters
Health trend
From Q1 2026 to Q2 2026, the score fell 4 points (54 → 50), mostly because the loan quality component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q1 2026 | 54 |
| Q2 2026 | 50 |
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| Quarter | Net worth ratio |
|---|---|
| Q1 2026 | 10.26% |
| Q2 2026 | 10.26% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q1 2026 | 1.17% |
| Q2 2026 | 1.61% |
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| Quarter | Return on assets |
|---|---|
| Q1 2026 | 0.14% |
| Q2 2026 | 0.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 50 | $808.0M | 10.26% | 1.61% | 0.23% | 99.1% |
| Q1 2026 | 54 | $801.8M | 10.26% | 1.17% | 0.14% | 98.1% |
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).
Similar-size credit unions in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Reliant Community Federal Credit UnionCredit union Sodus, NY | 69 out of 100, Moderate | $788.4M | 9.6% | 0.36% | vs |
| Sea Comm Federal Credit UnionCredit union Massena, NY | 89 out of 100, Very strong | $777.3M | 18.0% | 0.63% | vs |
| First Heritage Federal Credit UnionCredit union Corning, NY | 72 out of 100, Strong | $839.7M | 11.1% | 0.44% | vs |
| Cornerstone Community Federal Credit UnionCredit union Lockport, NY | 44 out of 100, Below average | $730.2M | 7.7% | 2.04% | vs |
| N C P D Federal Credit UnionCredit union Plainview, NY | 87 out of 100, Very strong | $908.8M | 16.6% | 0.29% | vs |
| Northern Federal Credit UnionCredit union Watertown, NY | 54 out of 100, Below average | $698.2M | 10.5% | 1.32% | vs |
Deposit insurance
Is my money safe at Heritage Financial Federal Credit Union?
Yes. Heritage Financial Federal Credit Union is a federally insured credit union (NCUA charter #24985). 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 4.6% of shares and deposits ($30.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 10.26%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
8 locations
Branches
Heritage Financial Federal Credit Union lists 8 offices in 7 cities. Most locations:
- Central Valley, NY (1)
- Goshen, NY (1)
- Middletown, NY (1)
- MIddletown, NY (1)
- Montgomery, NY (1)
- Newburgh, NY (1)
- New Paltz, NY (1)
- Washingtonville, NY (1)
Identity & history
Profile
- Legal name
- Heritage Financial Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24985
- RSSD ID
- 519977
- Primary regulator
- NCUA
- Established
- 1940
- Headquarters
- 25 Rykowski Lane, Middletown, NY 10941
- Employees
- 150
Quick answers
Heritage Financial Federal Credit Union: common questions
Is Heritage Financial Federal Credit Union NCUA insured?
Yes. Heritage Financial Federal Credit Union is a federally insured credit union (NCUA charter #24985). 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 Financial Federal Credit Union's TellerScore?
50 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 Heritage Financial Federal Credit Union have?
8 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Middletown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Jeff Bank, National AssociationBank Jeffersonville, NY | 95 out of 100, Very strong | $686.2M | 14.9% | 0.37% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| First Federal Savings of MiddletownBank Middletown, NY | 89 out of 100, Very strong | $188.0M | 36.9% | 0.00% | vs |
| International Bank of ChicagoBank Chicago, IL | 82 out of 100, Strong | $982.7M | 12.5% | 0.05% | vs |
| Self Reliance Financial Federal Credit UnionCredit union New York, NY | 79 out of 100, Strong | $2.0B | 17.2% | 0.63% | vs |