HERITAGE Credit Union Profile

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HERITAGE

Charter #16626 | NCUA Region 2 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (812) 853-8808

Fax: (812) 858-6535

Founding Date: N/A

Website: http://www.heritagefederal.org

Personnel & Operations

President: Sledd, Nicolette

Manager: Aylsworth, Tony

FT Employees: 207

PT Employees: 11

Designations & Ratios

MDI Status: No

RBC Ratio: 18.59%

Membership Type: 00

Branches: 17

Hours: Lobby: M-Th 9-4, F 9-6, Sat 9-12 Drive-Thr

Credit Union Profile Summary

HERITAGE is a FCU Credit Union. With a total of 65,353 members ^[1], this institution manages approximately $1,016,966,696 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.7% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.86% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,016,966,696

Total economic resources.

Total Loans ^[1]

$707,672,057

Total value of outstanding loans.

Total Deposits ^[1]

$839,853,706

Total funds deposited by members.

Members ^[1]

65,353

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

11.7%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.76%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

84.26%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 6.15%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 1.86%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -0.91%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

8266 Bell Oaks Dr

Newburgh, IN, 47630

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 16 branches reported by HERITAGE (Charter #16626).

Main Office

Bell Oaks Main Office

Type: Corporate Office

8266 Bell Oaks Dr

Newburgh, IN 47630

Phone: (812) 853-8808

Services: Member Services, ATM, Drive-Thru

HERITAGE Credit Union Profile

HERITAGE

Headquarters Contact & Staff

Credit Union Profile Summary

Financial Snapshot

Performance Ratios

Four-Quarter Growth

Headquarters Location & Map

Headquarters Address

Member Ratings & Reviews

Rate This Credit Union

Branch Locations

Main Office

Bell Oaks Main Office

Additional Branches

Boonville

Elberfeld

Evansville

Haubstadt

Henderson

Mount Vernon

Newburgh