HERITAGE FINANCIAL
State-Chartered • Middletown, New York • Est. 1940
Quick Facts
- Charter Number
- #68711
- Type
- State-Chartered
- Established
- 1940
- Headquarters
- Middletown, New York 10941
- Address
- 25 Rykowski Lane
- Branches
- 14
- ATMs
- 15
- Members
- 56,575
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
56,575 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HERITAGE FINANCIAL |
|---|---|
| Total Assets | $804.6M |
| Members | 56,575 |
| Loans Outstanding | $657.7M |
| Shares & Deposits | $653.5M |
| Net Worth | $82.0M |
| Net Worth Ratio | 10.19% |
| Loan-to-Share Ratio | 100.6% |
| Delinquency Rate | 1.52% |
| Net Income | +$7,059,001 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
14 locations · 15 ATMs
Heritage Financial CU
Main Office25 Rykowski Ln
Middletown, NY 10941-4019
Heritage Financial CU
2 Corwin Ct
Newburgh, NY 12550-5107
Heritage Financial CU
273 Route 32
Central Valley, NY 10917
Heritage Financial CU
234 Main St Ste 6B
New Paltz, NY 12561-1352
Heritage Financial CU
1 Hawk Dr Bldg SUNY-Adminstration
New Paltz, NY 12561-2447
Who Can Join HERITAGE FINANCIAL?
Membership Type: Community
Membership eligibility for HERITAGE FINANCIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact HERITAGE FINANCIAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. HERITAGE FINANCIAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, HERITAGE FINANCIAL has 56,575 members and a potential membership field of 1,515,059 people.
HERITAGE FINANCIAL's net worth ratio is 10.19% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.2%, HERITAGE FINANCIAL meets this threshold.
HERITAGE FINANCIAL operates 14 branch locations and has access to 15 ATMs. The main office is located at 25 Rykowski Ln, Middletown, NY 10941-4019.
HERITAGE FINANCIAL was established in 1940. It is a state-chartered credit union chartered under charter number 68711. The institution has been serving members for 86 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HERITAGE FINANCIAL. All financial data is for informational purposes only.