25 Rykowski Lane
Middletown, NY 10941
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Heritage Financial is an NCUA insured institution located in Middletown, NY. It was founded in 1940 and has approximately $801.82 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 24985 |
| Date Established | 1940 |
| Assets | $801.82 million |
| Loans | $652.35 million |
| Deposits | $664.91 million |
| Capital | $82.27 million |
Your Current Location: Arizona, AZ 85001
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Your Current Location: Arizona, AZ 85001
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Below are Heritage Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Phoenix,Arizona
| Branch | Distance | Map | View Lobby Hours |
|---|
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The following ratios and data are available to help you better understand the financial condition of Heritage Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
| Heritage Financial | U.S. Average |
|---|---|
| 20.62% | 6.78 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2025, Heritage Financial had $16,669,564 in non-current loans and $293,153 in owned assets. To cover these potential losses it had $82,270,898 in net worth and $0 in loans loss reserves. That gives it a Texas Ratio of 20.62%.
| Heritage Financial | U.S. Average |
|---|---|
| 10.26% | 14.48% |
Heritage Financial FCU has a net worth of 10.26% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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Last Update on September 21, 2026
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