Heritage Financial Credit Union

Weiss Ratings	Heritage Financial Credit Union Middletown, NY	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	5.90
Capitalization Index	4.80
Liquidity Index	1.90
Profitability Index	3.40
Stability Index	4.70

Company Info	Heritage Financial Credit Union Middletown, NY	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	1118
Phone Number	(845) 202-4696
Website	www.heritagefcu.com

Asset Quality	Heritage Financial Credit Union Middletown, NY	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	13.92%
5-Year Asset Growth	12.00%
5-Year Charge-Offs to Average Loans	0.50%
Charge-Offs to Average Loans	0.34%
Non-Performing Assets to Assets	0.75%
Non-Performing Loans to Capital	9.66%
Non-Performing Loans to Loans	0.74%

Balance Sheet	Heritage Financial Credit Union Middletown, NY	Click to Compare	Click to Compare	Click to Compare
Total Assets	709.59M
Total Deposits	565.59M

Capital and Reserves	Heritage Financial Credit Union Middletown, NY	Click to Compare	Click to Compare	Click to Compare
Capital	50.49M
Leverage Ratio	11.14
Loan Loss Reserves to Loans	0.75%

Liquidity	Heritage Financial Credit Union Middletown, NY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	9.42%
Liquidity Ratio	9.77%

Profitability	Heritage Financial Credit Union Middletown, NY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.55%
Net Income	3.60M
Net Interest Spread	3.93%
Operating Profit to Average Assets	0.90%
Overhead Efficiency Ratio	81.82%
Return on Assets	0.55%
Return on Equity	7.36%