Charter 24742 · Rutland, VT
Heritage Family Federal Credit Union
Heritage Family Federal Credit Union is a federally chartered credit union in Rutland, Vermont, with $870 million in assets and 54,984 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.08%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Heritage Family Credit Union.
- Total assets
- $870 million
- +7.6% in a year
- Members
- 54,984
- +2.7% in a year
- Net worth ratio
- 12.08%
- Peer median 10.79%
- Loans 60+ days late
- 0.86%
- Peer median 0.67%
- Loans outstanding
- $632 million
- +8.5% in a year
- Shares and deposits
- $736 million
- +7.9% in a year
- Branches
- 12
- 202 employees
- Opened
- 1956
- Federal charter
How Heritage Family Federal Credit Union compares
NCUA groups credit unions by size; Heritage Family Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 12.08% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.86%, is higher than the group median of 0.67%. Loans grew 8.5% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 4 of 12 credit unions headquartered in Vermont. See all Vermont credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $870 million | 54,984 | $632 million | 12.08% | 0.86% |
| Q1 2026 | $853 million | 54,726 | $635 million | 11.95% | 0.75% |
| Q4 2025 | $832 million | 54,362 | $630 million | 12.13% | 0.79% |
| Q3 2025 | $812 million | 53,979 | $607 million | 12.17% | 0.56% |
| Q2 2025 | $809 million | 53,514 | $583 million | 11.88% | 0.56% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 851,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 13 sites for Heritage Family Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Branch Office
30 Allen St, Rutland, VT 05701 - Branch
50 West St, Rutland, VT 05701 - Branch Office
67 Washington St, Fair Haven, VT 05743 - Student Branch Office
321 Park St, Bennington, VT 05201 - Branch Office
2826 Vt Route 100, South Londonderry, VT 05155 - Branch Office
198 Main St, Ludlow, VT 05149 - Operations Center (main office)
26 Allen St, Rutland, VT 05701 - Hooksett Branch
1337 Hooksett Rd, Hooksett, NH 03106 - Branch Office
11 Baker Farm Rd, Manchester Center, VT 05255 - Branch Office
643 Main St, Castleton, VT 05735 - 1340 Franklin St
1340 Franklin St, Brandon, VT 05733 - Bennington Branch
85 Washington Ave, Bennington, VT 05201 - Hoosick Falls
28 Church St, Hoosick Falls, NY 12090
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology