credit union · NCUA 68711 · NY
How big is HERITAGE FINANCIAL?
HERITAGE FINANCIAL (NY, NCUA charter 68711) reported total assets of $804.6M, 56,575 members and a net worth ratio of 10.19% in its Call Report for 2025Q4. That ranks 551 of 4,374 federally insured credit unions by assets, 84 of 282 among credit unions with $500m-$1b in assets, 27 of 272 credit unions in new york.
What stands out
HERITAGE FINANCIAL (NY, NCUA charter 68711) reported total assets of $804.6M, 56,575 members and a net worth ratio of 10.19% in its Call Report for 2025Q4. That ranks 551 of 4,374 federally insured credit unions by assets, 84 of 282 among credit unions with $500m-$1b in assets, 27 of 272 credit unions in new york. Against its size class: net worth ratio 10.19%, below the peer median of 10.49%; loan-to-share ratio 100.64%, above the peer median of 84.07%; return on assets 0.50%, below the peer median of 0.63%. At 10.19% 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, 2025Q4
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2025Q4 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $804.6M | $711.5M | $44.7M | $65.4M | record → |
| Shares and deposits | $653.5M | $615.7M | $38.4M | $56.3M | record → |
| Loans outstanding | $657.7M | $491.1M | $20.6M | $33.5M | record → |
| Net income (year to date) | $4.0M | $4.7M | $317.1k | $413.9k | record → |
| Net worth | $82.0M | $73.8M | $5.6M | $8.6M | record → |
| Net worth ratio | 10.19% | 10.49% | 11.96% | 12.47% | record → |
| Loan-to-share ratio | 100.64% | 84.07% | 62.56% | 69.70% | computed |
| Return on assets | 0.50% | 0.63% | 0.71% | 0.71% | computed |
| Members | 56,575 | 42,362 | 3,173 | 4,732 | record → |
Quarter by quarter
24 Call Reports on record, 2020Q1–2025Q4; the 24 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2025Q4 | $804.6M | $653.5M | $657.7M | $4.0M | 10.19% | 56,575 | 551 |
| 2025Q3 | $789.6M | $621.7M | $668.9M | $2.1M | 10.18% | 55,666 | 553 |
| 2025Q2 | $776.7M | $635.5M | $654.6M | $1.4M | 10.25% | 54,549 | 558 |
| 2025Q1 | $748.7M | $610.1M | $629.9M | $350.7k | 10.49% | 53,696 | 576 |
| 2024Q4 | $731.0M | $603.7M | $619.3M | $-519.4k | 10.70% | 54,761 | 578 |
| 2024Q3 | $721.2M | $584.5M | $614.1M | $530.2k | 11.03% | 56,304 | 582 |
| 2024Q2 | $729.5M | $602.3M | $604.1M | $569.5k | 10.91% | 55,879 | 578 |
| 2024Q1 | $709.5M | $586.7M | $591.8M | $453.4k | 11.20% | 51,165 | 590 |
| 2023Q4 | $709.6M | $565.6M | $587.1M | $3.6M | 11.13% | 50,702 | 581 |
| 2023Q3 | $668.9M | $538.6M | $565.9M | $3.1M | 11.78% | 50,082 | 608 |
| 2023Q2 | $655.7M | $530.4M | $521.1M | $2.6M | 11.94% | 48,841 | 618 |
| 2023Q1 | $627.1M | $517.6M | $489.2M | $1.5M | 12.30% | 47,803 | 634 |
| 2022Q4 | $622.9M | $511.4M | $483.8M | $5.1M | 12.17% | 47,010 | 633 |
| 2022Q3 | $577.5M | $486.3M | $457.2M | $4.2M | 12.96% | 46,129 | 668 |
| 2022Q2 | $589.3M | $501.5M | $435.6M | $3.1M | 12.51% | 45,273 | 649 |
| 2022Q1 | $547.6M | $485.1M | $422.3M | $1.4M | 8.60% | 44,496 | 678 |
| 2021Q4 | $536.7M | $468.6M | $411.1M | $4.0M | 8.51% | 44,016 | 673 |
| 2021Q3 | $525.0M | $461.9M | $409.4M | $3.5M | 8.60% | 43,730 | 678 |
| 2021Q2 | $534.7M | $473.7M | $398.8M | $1.8M | 8.13% | 43,464 | 658 |
| 2021Q1 | $520.9M | $460.2M | $387.4M | $1.1M | 8.21% | 43,110 | 669 |
| 2020Q4 | $493.2M | $430.0M | $382.3M | $2.8M | 8.44% | 43,032 | 665 |
| 2020Q3 | $480.8M | $421.3M | $373.8M | $1.5M | 8.39% | 43,118 | 663 |
| 2020Q2 | $486.4M | $426.9M | $360.3M | $627.4k | 8.11% | 42,842 | 651 |
| 2020Q1 | $447.9M | $388.3M | $359.2M | $47.4k | 8.68% | 42,966 | 650 |
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