American Heritage Federal Credit Union
Total assets
$5.32B
▲ +5.6% YoY
Shares & deposits
$4.35B
▲ +9.9% YoY
Loans
$3.71B
▲ +2.5% YoY
Members
329,657
▲ +2.1% YoY
ROA (annualized)
0.41%
peers 0.71%
ROE (annualized)
4.91%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +5.1% | +0.5 pts |
| Share growth (YoY) | +9.9% | +4.9% | +5.1 pts |
| Loan growth (YoY) | +2.5% | +5.4% | -2.9 pts |
| ROA | 0.41% | 0.71% | -0.3 pts |
| ROE | 4.9% | 6.3% | -1.4 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
Profile
- Established
- 1948
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 2060 Red Lion Road, Philadelphia, PA, 19115
- NCUA charter #
- 5621
- RSSD ID
- 801878
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.32B | $4.35B | $3.71B | $442.7M | $5.4M | 0.41% | 2.80% | 0.90% | 329,657 |
| Q4 2025 | $5.24B | $4.27B | $3.63B | $437.2M | $36.0M | 0.69% | 2.81% | 1.11% | 327,568 |
| Q3 2025 | $5.17B | $4.12B | $3.63B | $428.6M | $27.4M | 0.71% | 2.87% | 1.15% | 326,668 |
| Q2 2025 | $5.15B | $4.07B | $3.91B | $427.6M | $14.2M | 0.55% | 2.83% | 1.24% | 324,968 |
| Q1 2025 | $5.04B | $3.96B | $3.62B | $417.5M | $4.9M | 0.39% | 2.74% | 1.07% | 323,020 |
| Q4 2024 | $5.06B | $3.86B | $3.56B | $413.4M | $26.2M | 0.52% | 2.69% | 1.12% | 318,215 |
| Q3 2024 | $4.84B | $3.75B | $3.66B | $408.4M | $21.1M | 0.58% | 2.84% | 1.00% | 315,518 |
| Q2 2024 | $4.87B | $3.74B | $3.64B | $412.9M | $13.8M | 0.57% | 2.81% | 1.06% | 312,782 |
Loan mix (Q1 2026): real estate $1.29B · commercial $987.9M · consumer $1.37B · securities $960.2M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.71% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 6.3% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.32% | 18th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 73.0% | 73th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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