TellerScore

Parks Heritage Federal Credit Union is a federal credit union headquartered in Glens Falls, New York, in business for about 61 years. At the end of Q2 2026 it reported $42.3M in total assets and $35.3M in member shares and deposits, with 2 offices across 2 states.

Based on its Q2 2026 filing, Parks Heritage Federal Credit Union scores 90/100, which we describe as very strong. That is higher than 89% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 24th. Its strongest component is capital cushion (100/100; 16.62%), and its lowest is earnings (66/100; 1.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.62%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.28%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity94/100
Loans ÷ shares: 65.8% · 3.1% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.39%

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 (89 → 90).

TellerScore
879093Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202489
Q4 202487
Q1 202593
Q2 202589
Q3 202592
Q4 202591
Q1 202688
Q2 202690
Net worth ratio
7.00%12.21%17.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.93%
Q3 202416.41%
Q4 202416.78%
Q1 202516.66%
Q2 202516.45%
Q3 202517.41%
Q4 202516.81%
Q1 202616.41%
Q2 202616.62%
Delinquent loans (60+ days)
0.05%0.25%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.05%
Q3 20240.16%
Q4 20240.30%
Q1 20250.15%
Q2 20250.44%
Q3 20250.12%
Q4 20250.26%
Q1 20260.16%
Q2 20260.28%
Return on assets
0.74%1.08%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20241.07%
Q4 20241.03%
Q1 20251.43%
Q2 20251.22%
Q3 20251.42%
Q4 20251.33%
Q1 20260.81%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$42.3M16.62%0.28%1.15%65.8%
Q1 202688$41.9M16.41%0.16%0.81%66.8%
Q4 202591$40.4M16.81%0.26%1.33%70.7%
Q3 202592$38.3M17.41%0.12%1.42%75.2%
Q2 202589$39.5M16.45%0.44%1.22%68.3%
Q1 202593$38.4M16.66%0.15%1.43%70.5%
Q4 202487$37.3M16.78%0.30%1.03%74.1%
Q3 202489$37.3M16.41%0.16%1.07%72.6%
Q2 202487$37.4M15.93%0.05%0.74%72.4%

2,479 peers · Under $100 million in assets

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 ratio16.62%
63rd
Problem loans0.28%
69th
Net charge-offs0.26%
42nd
Return on assets1.15%
74th
Loans to deposits65.8%
40th
Uninsured deposits3.1%
36th
Loan-loss reserves0.00%
37th
Texas ratio1.4%
60th

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Amherst Federal Credit UnionCredit union Amherst, NY69 out of 100, Moderate$44.0M10.3%1.17%vs
Westchester Schools' Federal Credit UnionCredit union Rye Brook, NY77 out of 100, Strong$40.6M11.2%0.02%vs

Deposit insurance

Is my money safe at Parks Heritage Federal Credit Union?

Yes. Parks Heritage Federal Credit Union is a federally insured credit union (NCUA charter #16933). 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 3.1% of shares and deposits ($1.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 16.62%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Parks Heritage Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Parks Heritage Federal Credit Union
Type
Federal credit union
NCUA charter #
16933
RSSD ID
972189
Primary regulator
NCUA
Established
1965
Headquarters
5 Murray St, Glens Falls, NY 12801
Employees
13

Quick answers

Parks Heritage Federal Credit Union: common questions

Is Parks Heritage Federal Credit Union NCUA insured?

Yes. Parks Heritage Federal Credit Union is a federally insured credit union (NCUA charter #16933). 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 Parks Heritage Federal Credit Union's TellerScore?

90 out of 100 (Very 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 Parks Heritage Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Glens Falls

InstitutionScoreAssetsCapitalProblem loansCompare
Hudson River Community Federal Credit UnionCredit union Corinth, NY77 out of 100, Strong$364.2M15.3%1.17%vs
Chemung Canal Trust Company, National AssociationBank Elmira, NY72 out of 100, Strong$2.8B11.4%0.38%vs
Great Meadow Federal Credit UnionCredit union Hudson Falls, NY70 out of 100, Strong$84.1M10.4%0.58%vs
The Adirondack Trust CompanyBank Saratoga Springs, NY69 out of 100, Moderate$1.7B10.5%0.44%vs
Arrow Bank National AssociationBank Glens Falls, NY66 out of 100, Moderate$4.5B9.3%0.24%vs
Saratoga'S Community Federal Credit UnionCredit union Saratoga Spring, NY65 out of 100, Moderate$57.9M8.6%0.33%vs