HERITAGE FINANCIAL
Federal • Middletown, New York • Est. 1940
Quick Facts
- Charter Number
- #24985
- Type
- Federal
- Established
- 1940
- Headquarters
- Middletown, New York 10941-4019
- Address
- 25 Rykowski Ln
- Branches
- 14
- ATMs
- 15
- Members
- 57,460
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
57,460 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HERITAGE FINANCIAL |
|---|---|
| Total Assets | $801.8M |
| Members | 57,460 |
| Loans Outstanding | $652.4M |
| Shares & Deposits | $664.9M |
| Net Worth | $82.3M |
| Net Worth Ratio | 10.26% |
| Loan-to-Share Ratio | 98.1% |
| Delinquency Rate | 1.17% |
| Net Income | +$281,580 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
14 locations · 15 ATMs
Heritage Financial CU
Main Office25 Rykowski Ln
Middletown, NY 10941-4019
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2 Corwin Ct
Newburgh, NY 12550-5107
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273 Route 32
Central Valley, NY 10917
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234 Main St Ste 6B
New Paltz, NY 12561-1352
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1 Hawk Dr Bldg SUNY-Adminstration
New Paltz, NY 12561-2447
Who Can Join HERITAGE FINANCIAL?
Membership Type: Other/Unknown
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.
Find More Credit Unions in New York
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
HERITAGE FINANCIAL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, HERITAGE FINANCIAL has 57,460 members and a potential membership field of 1,515,059 people.
HERITAGE FINANCIAL's reported net worth ratio is 10.26% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 federal credit union chartered under charter number 24985. The institution has been serving members for 86 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or HERITAGE FINANCIAL. All financial data is for informational purposes only.