TellerScore

Heritage Grove Federal Credit Union (NCUA charter #16113) is based in Salem, Oregon. Its Q2 2026 call report shows $167.2M in total assets and $146.9M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Heritage Grove Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 41% of 1,341 credit unions with $100 million – $1 billion. Among 47 credit unions headquartered in Oregon, it ranks 27th. Its strongest component is funding & liquidity (90/100; 71% loans-to-deposits, 4% uninsured), and its lowest is earnings (46/100; 0.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.86%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.17%
Earnings46/100
Return on assets (annualized): 0.65%
Funding & liquidity90/100
Loans ÷ shares: 70.5% · 4.0% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.57%

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

From Q2 2025 to Q2 2026, the score rose 2 points (65 → 67), mostly because the earnings component improved by 9 points.

TellerScore
646769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202468
Q4 202469
Q1 202565
Q2 202565
Q3 202564
Q4 202564
Q1 202665
Q2 202667
Net worth ratio
7.00%9.53%12.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.62%
Q3 202411.78%
Q4 202412.05%
Q1 202511.49%
Q2 202511.65%
Q3 202511.73%
Q4 202511.76%
Q1 202611.73%
Q2 202611.86%
Delinquent loans (60+ days)
1.16%1.28%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.34%
Q3 20241.16%
Q4 20241.23%
Q1 20251.17%
Q2 20251.16%
Q3 20251.34%
Q4 20251.40%
Q1 20261.19%
Q2 20261.17%
Return on assets
0.43%0.71%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.93%
Q4 20240.98%
Q1 20250.51%
Q2 20250.43%
Q3 20250.48%
Q4 20250.50%
Q1 20260.53%
Q2 20260.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$167.2M11.86%1.17%0.65%70.5%
Q1 202665$166.3M11.73%1.19%0.53%70.7%
Q4 202564$164.0M11.76%1.40%0.50%71.1%
Q3 202564$162.6M11.73%1.34%0.48%71.7%
Q2 202565$161.7M11.65%1.16%0.43%71.6%
Q1 202565$162.7M11.49%1.17%0.51%71.6%
Q4 202469$153.5M12.05%1.23%0.98%74.8%
Q3 202468$153.4M11.78%1.16%0.93%74.1%
Q2 202465$151.7M11.62%1.34%0.83%73.0%

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 ratio11.86%
56th
Problem loans1.17%
23rd
Net charge-offs0.41%
44th
Return on assets0.65%
42nd
Loans to deposits70.5%
61st
Uninsured deposits4.0%
71st
Loan-loss reserves0.00%
50th
Texas ratio6.6%
27th

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
44 North Credit UnionCredit union Lebanon, OR61 out of 100, Moderate$157.6M12.8%1.76%vs
Trailhead Federal Credit UnionCredit union Portland, OR28 out of 100, Low$156.0M8.8%4.14%vs
Ironworkers USA Federal Credit UnionCredit union Portland, OR46 out of 100, Below average$155.9M11.1%2.97%vs
Nw Preferred Federal Credit UnionCredit union Tigard, OR79 out of 100, Strong$189.3M14.6%0.91%vs
Pacific Cascade Federal Credit UnionCredit union Eugene, OR65 out of 100, Moderate$139.9M10.5%0.54%vs
Valley Credit UnionCredit union Salem, OR48 out of 100, Below average$118.6M12.8%5.22%vs

Deposit insurance

Is my money safe at Heritage Grove Federal Credit Union?

Yes. Heritage Grove Federal Credit Union is a federally insured credit union (NCUA charter #16113). 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 4.0% of shares and deposits ($5.9M) 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 11.86%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Heritage Grove Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Heritage Grove Federal Credit Union reported 52 home-loan applications under HMDA (LEI 549300GL7DLQR39MW179): 42 originated ($5,300,000 total), 9 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.6%, 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.

Identity & history

Profile

Legal name
Heritage Grove Federal Credit Union
Type
Federal credit union
NCUA charter #
16113
RSSD ID
100683
Primary regulator
NCUA
Established
1964
Headquarters
PO Box 2227, Salem, OR 97309
Employees
30

Quick answers

Heritage Grove Federal Credit Union: common questions

Is Heritage Grove Federal Credit Union NCUA insured?

Yes. Heritage Grove Federal Credit Union is a federally insured credit union (NCUA charter #16113). 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 Grove Federal Credit Union's TellerScore?

67 out of 100 (Moderate), 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 Grove Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Salem

InstitutionScoreAssetsCapitalProblem loansCompare
First Community Credit UnionCredit union Coquille, OR86 out of 100, Very strong$1.9B13.3%0.04%vs
Onpoint Community Credit UnionCredit union Portland, OR83 out of 100, Strong$9.5B15.0%0.98%vs
Ibew/Sj Cascade Federal Credit UnionCredit union Salem, OR82 out of 100, Strong$22.5M14.1%1.31%vs
Willamette Valley BankBank Salem, OR81 out of 100, Strong$465.4M17.0%0.22%vs
Pioneer Trust Bank, National AssociationBank Salem, OR81 out of 100, Strong$712.5M15.3%1.32%vs
Nw Preferred Federal Credit UnionCredit union Tigard, OR79 out of 100, Strong$189.3M14.6%0.91%vs