Total Assets
$808.0M
Total Deposits
$673.7M
Branches
14
Established
1940
HERITAGE FINANCIAL is a credit union headquartered in Middletown, New York, established in 1940. It holds $808.0M in total assets across 14 branch locations. In our editorial opinion, based on public FDIC/NCUA data, HERITAGE FINANCIAL earns a TFS Financial Health Grade of D (54.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
54.5 / 100
Below average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS September 26, 2026. Data sourced from NCUA Call Reports as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Heritage Financial CUHQ | 25 Rykowski Ln | Middletown | NY | Full Service |
| Heritage Financial CU | 273 Route 32 | Central Valley | NY | Full Service |
| Heritage Financial CU | 103-104 Clowes Avenue | Goshen | NY | Full Service |
| Heritage Financial CU | 161 Dolson Ave # 5 | MIddletown | NY | Full Service |
| Heritage Financial CU | 17 Walnut St | Montgomery | NY | Full Service |
| Heritage Financial CU | 211 S Plank Rd | Newburgh | NY | Full Service |
| Heritage Financial CU | 2 Corwin Ct | Newburgh | NY | Full Service |
| Heritage Financial CU | 1 Hawk Dr Bldg SUNY-Adminstration | New Paltz | NY | Full Service |
| Heritage Financial CU | 234 Main St Ste 6B | New Paltz | NY | Full Service |
| Heritage Financial CU | 36 Boniface Dr | Pine Bush | NY | Full Service |
| Heritage Financial CU | 1476 Route 9D | Wappingers Falls | NY | Full Service |
| Heritage Financial CU | 131 E Main St | Washingtonville | NY | Full Service |
| Heritage Financial CU | 113 Atlantic Avenue, | Dingmans Ferry | PA | Full Service |
| Heritage Financial CU | 111 Hulst Dr Ste 703A | Matamoras | PA | Full Service |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC and OCC enforcement records; NCUA catalog monitored. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured credit unions reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
54.5
Net worth ratio
10.26%
Return on assets
0.23%
60+ day delinquency
1.61%
Suggested direct comparisons
New York, NY
$425.1B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.