Comparison · Q2 2026 call reports
North Country Federal Credit Union vs Heritage Family Federal Credit Union
North Country Federal Credit Union is the larger, with $1.14 billion in assets and 79,521 members, against $870 million and 54,984 for Heritage Family Federal Credit Union. Heritage Family Federal Credit Union has the higher net worth ratio, 12.08% against 9.72%; North Country Federal Credit Union reported the lower new auto loan rate, 5.18% against 6.48%; and North Country Federal Credit Union paid members more on deposits, 1.79% of balances against 1.10%. Figures are from the call reports each filed with NCUA for the quarter ended June 30, 2026.
Charter 24312 · Burlington, VT
North Country Federal Credit Union
Federal charter, opened 1950. NCUA peer group: $500 million and up. 13 offices in NCUA's branch file, in 2 states.
Membership is limited to its field of membership; check its eligibility rules on its own website.
Charter 24742 · Rutland, VT
Heritage Family Federal Credit Union
Federal charter, opened 1956. NCUA peer group: $500 million and up. 13 offices in NCUA's branch file, in 3 states.
Membership is limited to its field of membership; check its eligibility rules on its own website.
| Figure | North Country Federal Credit Union | Heritage Family Federal Credit Union |
|---|---|---|
| Size | ||
| Total assets | $1.1B44 | $870M30 |
| Members | 79,52153 | 54,98435 |
| Loans outstanding | $915M48 | $632M32 |
| Shares and deposits | $1.0B45 | $736M29 |
| Net worth | $110M36 | $105M34 |
| Branches | 1354 | 1249 |
| Employees | 21549 | 20246 |
| Growth (12 months) | ||
| Asset growth | +7.45%70 | +7.58%71 |
| Member growth | +4.76%79 | +2.75%61 |
| Loan growth | +7.93%67 | +8.48%70 |
| Deposit growth | +5.13%52 | +7.90%75 |
| Capital and reserves | ||
| Net worth ratio | 9.72%27 | 12.08%70 |
| Loss reserves to loans | 0.93%47 | 1.39%79 |
| Loss reserves to late loans | 0.85x19 | 1.61x60 |
| Earnings | ||
| Return on assets | 0.84%53 | 1.02%67 |
| Net interest margin | 3.93%79 | 4.55%95 |
| Dividends paid on deposits | 1.79%58 | 1.10%9 |
| Cost of funds | 1.65%53 | 1.10%13 |
| Efficiency ratio | 77.47%34 | 75.45%42 |
| Operating expense to assets | 4.06%21 | 4.71%5 |
| Non-interest income to assets | 1.16%58 | 1.55%83 |
| Fee income per member | $7652 | $1479 |
| Credit loss expense to loans | 0.42%61 | 0.70%34 |
| Loan quality | ||
| Loans 60+ days late | 1.09%23 | 0.86%36 |
| Net charge-off rate | 0.44%57 | 0.59%39 |
| Loan rates on the call report | ||
| New auto loan rate | 5.18%67 | 6.48%16 |
| Used auto loan rate | 5.18%81 | 8.83%4 |
| Credit card rate | 7.45%98 | 10.79%77 |
| Personal loan rate | 10.94%68 | 15.00%16 |
| First mortgage rate | 6.75%10 | 6.50%18 |
| Home equity rate | 6.75%56 | 7.50%20 |
| Lending | ||
| Loan-to-share ratio | 91.25%66 | 85.88%49 |
| Auto loans, share of loans | 28.15%54 | 27.33%52 |
| Home loans, share of loans | 48.23%57 | 39.33%37 |
| Credit cards, share of loans | 5.19%86 | 4.42%79 |
| Business loans, share of loans | 8.03%37 | 17.28%71 |
| Auto loans outstanding | $257M52 | $173M36 |
| Home loans outstanding | $441M54 | $249M25 |
| Credit card balances | $47.4M69 | $27.9M53 |
| Business loans outstanding | $73.4M40 | $109M50 |
| Private student loans | $5.6M86 | $028 |
| Average loan size | $19K25 | $16K15 |
| Deposits | ||
| Certificates, share of deposits | 34.07%75 | 19.63%16 |
| Core deposits, share of deposits | 58.74%24 | 76.76%88 |
| Deposits over $250,000 | 6.25%24 | 8.15%44 |
| Average deposits per member | $13K22 | $13K31 |
| Liquidity | ||
| Investments to assets | 9.75%43 | 13.27%59 |
| Cash to assets | 6.61%42 | 8.14%55 |
| Borrowings to assets | 1.76%52 | 3.51%66 |
| Operations | ||
| Members per employee | 37257 | 27414 |
| Assets per employee | $5.3M25 | $4.3M8 |
| Members per branch | 6,11745 | 4,58221 |
| Field of membership reached | 19.88%82 | 6.46%58 |
Bold marks the more member-friendly figure where one direction is better (higher capital and earnings, lower late loans, fees and loan rates). Small numbers are each credit union's percentile within its own NCUA peer group (100 is best). Loan rates are what each reported on its call report, not offers. Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or either credit union.
Add more to this comparison North Country Federal Credit Union Heritage Family Federal Credit Union
Questions people ask
Which is bigger, North Country Federal Credit Union or Heritage Family Federal Credit Union?
North Country Federal Credit Union, with $1.14 billion in assets and 79,521 members at June 30, 2026, against $870 million and 54,984 for Heritage Family Federal Credit Union, according to their NCUA call reports.
Which has lower auto loan rates, North Country Federal Credit Union or Heritage Family Federal Credit Union?
North Country Federal Credit Union reported the lower new auto loan rate on its Q2 2026 call report: 5.18%, against 6.48% for Heritage Family Federal Credit Union. Used auto: North Country Federal Credit Union 5.18%, Heritage Family Federal Credit Union 8.83%. These are reported rates, not offers.
Are North Country Federal Credit Union and Heritage Family Federal Credit Union federally insured?
North Country Federal Credit Union is federally insured by NCUA's Share Insurance Fund, up to $250,000 per member per ownership category. Heritage Family Federal Credit Union is federally insured by NCUA's Share Insurance Fund, up to $250,000 per member per ownership category.