HERITAGE FINANCIAL
Middletown, NY · Federal Credit Union · Chartered in NY
Who can join
Employee group
Members
57,460
Net Worth Ratio
10.26%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$801.8M
Peer Group 6
Members
57,460
as of latest quarter
Net Worth Ratio
10.26%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Financial Snapshot
Total Assets
$801.8M
Total Shares
$664.9M
Total Loans
$652.4M
Net Income
$282K
Net Worth Ratio
10.26%
≥7% = Well Capitalized
Members
57,460
Return on Assets
0.04%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.88%
$5.7M
Loan-to-share ratio: 98.1%· healthy range 60–80%
Branch Locations
NCUAHeritage Financial CU
25 Rykowski Ln, Middletown, NY, 10941-4019
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM
Heritage Financial CU
2 Corwin Ct, Newburgh, NY, 12550-5107
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM Lobby Access ? M-Th Lobby closed 4 PM, drive-thru open 4 PM to 5 PM ? Fri Lobby closed 6 PM, drive-thru closed 6 PM
Heritage Financial CU
273 Route 32, Central Valley, NY, 10917
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM
Heritage Financial CU
234 Main St Ste 6B, New Paltz, NY, 12561-1352
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM
Heritage Financial CU
1 Hawk Dr Bldg SUNY-Adminstration, New Paltz, NY, 12561-2447
M/W/F 10am-3pm 24 Hour ATMs
Heritage Financial CU
17 Walnut St, Montgomery, NY, 12549-2231
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM Lobby Access ? M-Th Lobby closed 4 PM, drive-thru open 4 PM to 5 PM ? Fri Lobby closed 6 PM, drive-thru closed 6 PM
Heritage Financial CU
161 Dolson Ave # 5, MIddletown, NY, 10940-6538
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM Lobby Access o M-Th Lobby closed 4 PM, drive-thru open 4 PM to 5 PM o Fri Lobby closed 6 PM, drive-thru closed 6 PM
Heritage Financial CU
131 E Main St, Washingtonville, NY, 10992-1724
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hr ATM Summer Sat Hours: 9 AM to 1 PM ? Temporarily Closed on Sat beginning June 15th Lobby Access: ? M-Th Lobby closed 4 PM, drive-thru open 4 PM to 5 PM ? Fri Lobby closed 6 PM, drive-thru closed 6 PM
Heritage Financial CU
103-104 Clowes Avenue, Goshen, NY, 10924
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM Lobby Access ? M-Th Lobby closed 4 PM, drive-thru open 4 PM to 5 PM ? Fri Lobby closed 6 PM, drive-thru closed 6 PM
Heritage Financial CU
36 Boniface Dr, Pine Bush, NY, 12566
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM ? closed on Sat beginning on June 15th Lobby Access o M-Th Lobby closed 4 PM, drive-thru open 4 PM to 5 PM o Fri Lobby closed 6 PM, drive-thru closed 6 PM
4 more locations not shown.
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/heritage-financial" target="_blank" rel="noopener">View HERITAGE FINANCIAL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.