credit union · NCUA 24742 · VT
How big is HERITAGE FAMILY?
HERITAGE FAMILY (VT, NCUA charter 24742) reported total assets of $869.8M, 54,984 members and a net worth ratio of 12.08% in its Call Report for 2026Q2. That ranks 531 of 4,299 federally insured credit unions by assets, 52 of 280 among credit unions with $500m-$1b in assets, 4 of 12 credit unions in vermont.
What stands out
HERITAGE FAMILY (VT, NCUA charter 24742) reported total assets of $869.8M, 54,984 members and a net worth ratio of 12.08% in its Call Report for 2026Q2. That ranks 531 of 4,299 federally insured credit unions by assets, 52 of 280 among credit unions with $500m-$1b in assets, 4 of 12 credit unions in vermont. Against its size class: net worth ratio 12.08%, above the peer median of 10.59%; loan-to-share ratio 85.88%, above the peer median of 83.51%; return on assets 1.00%, above the peer median of 0.75%. At 12.08% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $869.8M | $714.8M | $207.8M | $68.3M | record → |
| Shares and deposits | $736.1M | $614.6M | $180.1M | $58.3M | record → |
| Loans outstanding | $632.1M | $502.2M | $164.6M | $34.4M | record → |
| Net income (year to date) | $4.3M | $2.5M | $237.4k | $222.2k | record → |
| Net worth | $105.1M | $74.4M | $20.7M | $9.0M | record → |
| Net worth ratio | 12.08% | 10.59% | 11.45% | 12.65% | record → |
| Loan-to-share ratio | 85.88% | 83.51% | 87.15% | 68.70% | computed |
| Return on assets | 1.00% | 0.75% | 0.75% | 0.71% | computed |
| Members | 54,984 | 41,964 | 13,678 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $869.8M | $736.1M | $632.1M | $4.3M | 12.08% | 54,984 | 531 |
| 2026Q1 | $852.9M | $718.4M | $634.7M | $952.1k | 11.95% | 54,726 | 535 |
| 2025Q4 | $832.1M | $696.0M | $630.3M | $8.4M | 12.13% | 54,362 | 538 |
| 2025Q3 | $812.3M | $684.5M | $607.3M | $6.3M | 12.17% | 53,979 | 545 |
| 2025Q2 | $808.5M | $682.2M | $582.7M | $3.5M | 11.88% | 53,514 | 545 |
| 2025Q1 | $806.8M | $680.2M | $564.3M | $1.1M | 11.63% | 54,044 | 541 |
| 2024Q4 | $772.9M | $632.3M | $546.4M | $6.8M | 11.65% | 50,707 | 550 |
| 2024Q3 | $773.4M | $630.2M | $544.4M | $5.1M | 11.42% | 50,741 | 555 |
| 2024Q2 | $757.1M | $621.5M | $536.1M | $3.3M | 11.42% | 50,421 | 561 |
| 2024Q1 | $755.6M | $623.6M | $528.4M | $1.4M | 11.24% | 50,429 | 560 |
| 2023Q4 | $738.8M | $608.0M | $527.3M | $8.9M | 11.30% | 50,429 | 564 |
| 2023Q3 | $743.9M | $616.0M | $523.3M | $7.2M | 10.99% | 50,381 | 557 |
| 2023Q2 | $737.2M | $628.3M | $506.8M | $4.3M | 10.71% | 50,208 | 560 |
| 2023Q1 | $715.4M | $643.6M | $491.2M | $2.0M | 10.71% | 50,030 | 571 |
| 2022Q4 | $728.7M | $655.8M | $482.9M | $7.3M | 10.24% | 49,783 | 561 |
| 2022Q3 | $719.0M | $664.6M | $463.9M | $4.3M | 9.96% | 49,519 | 561 |
| 2022Q2 | $723.4M | $666.5M | $437.0M | $2.4M | 9.64% | 49,194 | 551 |
| 2022Q1 | $724.9M | $664.9M | $423.2M | $1.7M | 9.51% | 49,056 | 545 |
| 2021Q4 | $699.5M | $635.8M | $417.2M | $9.0M | 9.62% | 48,950 | 550 |
| 2021Q3 | $699.2M | $636.6M | $416.5M | $6.7M | 9.31% | 49,018 | 544 |
| 2021Q2 | $686.9M | $627.8M | $418.6M | $3.6M | 9.02% | 48,779 | 547 |
| 2021Q1 | $671.6M | $614.1M | $410.4M | $1.4M | 8.89% | 49,018 | 549 |
| 2020Q4 | $627.1M | $569.3M | $410.8M | $4.8M | 9.30% | 48,730 | 553 |
| 2020Q3 | $607.6M | $544.7M | $414.7M | $3.1M | 9.33% | 48,790 | 558 |
| 2020Q2 | $585.7M | $523.8M | $412.9M | $1.7M | 9.43% | 48,663 | 566 |
| 2020Q1 | $525.9M | $464.8M | $398.4M | $694.4k | 10.31% | 48,661 | 581 |
| 2019Q4 | $511.0M | $446.8M | $403.2M | $3.4M | 10.47% | 48,589 | 581 |
| 2019Q3 | $511.8M | $446.3M | $406.9M | $2.3M | 10.26% | 48,560 | 574 |
| 2019Q2 | $504.4M | $440.8M | $407.5M | $1.6M | 10.26% | 48,452 | 579 |
| 2019Q1 | $496.5M | $431.9M | $405.0M | $679.6k | 10.24% | 48,763 | 582 |
| 2018Q4 | $483.1M | $418.9M | $410.0M | $3.7M | 10.38% | 51,476 | 579 |
| 2018Q3 | $485.6M | $420.2M | $407.4M | $2.7M | 10.12% | 51,278 | 572 |
| 2018Q2 | $482.3M | $419.7M | $399.6M | $1.3M | 9.89% | 50,654 | 573 |
| 2018Q1 | $475.9M | $419.9M | $387.8M | $899.5k | 9.95% | 49,817 | 577 |
| 2017Q4 | $466.6M | $403.9M | $387.4M | $4.3M | 9.95% | 49,277 | 574 |
| 2017Q3 | $458.1M | $400.5M | $376.6M | $3.3M | 9.92% | 48,661 | 583 |
| 2017Q2 | $458.2M | $404.1M | $367.0M | $1.9M | 9.61% | 47,682 | 579 |
| 2017Q1 | $451.3M | $397.0M | $356.5M | $727.5k | 9.50% | 46,736 | 584 |
| 2016Q4 | $438.5M | $379.0M | $353.4M | $3.6M | 9.61% | 45,860 | 583 |
| 2016Q3 | $421.6M | $368.5M | $346.1M | $2.7M | 9.78% | 45,291 | 594 |
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