Heritage Financial
Heritage Financial is a credit union based in Middletown, New York, established in 1940, with $802 million in total assets serving 57,460 members. By Trust Grade it ranks 207th of 267 credit unions we track in New York. Its net worth ratio of 10.3% trails most similarly sized credit unions (34th percentile), versus a New York median of 12%. It was profitable over the most recent period, with a 0.14% return on assets. No consumer complaints against Heritage Financial appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Heritage Financial compares to New York peers
How we graded Heritage Financial
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.3% capital ratio)
- Profitable (ROA 0.14%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Heritage Financial over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Heritage Financial insured?
Yes. Heritage Financial is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Heritage Financial: frequently asked questions
Is Heritage Financial a good credit union?
Heritage Financial earns a Bankzia Trust Grade of B (85/100, "Strong"), based on a financial-strength score of 85/100 (it has no CFPB complaints on record). Well-capitalized (10.3% capital ratio); Profitable (ROA 0.14%).
Is Heritage Financial NCUA-insured?
Yes. Heritage Financial is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Heritage Financial?
Heritage Financial holds $802 million in total assets, ranking 207th of 267 credit unions we track in New York. It serves 57,460 members.
Does Heritage Financial have CFPB complaints?
No CFPB complaints against Heritage Financial appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
