HERITAGE FAMILY Credit Union Profile

Showing details for HERITAGE FAMILY Credit Union.

Home > VT > HERITAGE FAMILY

HERITAGE FAMILY

Charter #24742 | NCUA Region 1 | FCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (802) 775-4930

Fax:

Founding Date: N/A

Website: http://www.hfcuvt.com

Personnel & Operations

President: Carroccio, Paul

Manager: Gomez, Chris

FT Employees: 188

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 66

Branches: 13

Hours: Monday to Friday 8:00 AM to 5:00 PM Saturda

Credit Union Profile Summary

HERITAGE FAMILY is a FCU Credit Union. With a total of 53,514 members ^[1], this institution manages approximately $808,524,408 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 11.88% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 8.69% ^[1].

Financial Snapshot

Total Assets ^[1]

$808,524,408

Total economic resources.

Total Loans ^[1]

$582,704,907

Total value of outstanding loans.

Total Deposits ^[1]

$682,192,218

Total funds deposited by members.

Members ^[1]

53,514

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

11.88%

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]

0.89%

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

Loan-to-Share Ratio ^[1]

85.42%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 6.79%

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

Loan Growth (4Q) ^[1]

↑ 8.69%

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

Member Growth (4Q) ^[1]

↑ 6.13%

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

Headquarters Location & Map

Headquarters Address

26 Allen St

Rutland, VT, 05701

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

Rate This Credit Union

No approved reviews yet. Be the first to rate this Credit Union!

Branch Locations

South Londonderry

Branch Office

Type: Branch Office

2826 VT Route 100

South Londonderry, VT 05155

Phone: (888) 252-8932

Services: Member Services, ATM

Open in Directions