Sep, 30, 2025 — HERITAGE FAMILY FEDERAL CREDIT UNION is a federal credit union headquartered in RUTLAND, VT with 13 branch locations and about $812.32 million in total assets. Opened 70 years ago in 1956, HERITAGE FAMILY FEDERAL CREDIT UNION has about 53,979 members and employs 195 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | HERITAGE FAMILY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 26 Allen St RUTLAND, VT 05701 |
| Phone: | (802) 775-4930 |
| Fax: | |
| Website: | https://www.hfcuvt.com |
| Branches: | 13 branch locations |
| Members: | 53,979 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24742 |
|---|---|
| Membership Type: | Community - Rural District |
| Corporate Credit Union: | No |
| Year Opened: | 1956 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $812,319,410 |
| CEO/Manager: | Chris Gomez |
| Chairperson: | Paul Carroccio |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 26,674,352 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 1,913,580 |
| Real Estate Loans | 328,544,101 |
| Unsecured Loans | 58,198,148 |
| Other Loans | 220,453,891 |
| TOTAL LOANS | 607,337,681 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -7,533,462 |
| Land And Building | 17,540,338 |
| Other Fixed Assets | 2,287,796 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 6,321,410 |
| All Other Assets | 311,879 |
| TOTAL ASSETS | 812,319,410 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 30,044,089 |
| Accounts Payable & Other Liabilities | 12,197,536 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 165,737,530 |
| Regular shares | 299,363,178 |
| All Other Shares & Deposits | 219,440,280 |
| TOTAL SHARES & DEPOSITS | 684,540,988 |
| TOTAL LIABILITIES | 727,186,215 |
| Regular Reserve | 0 |
| Other Reserves | -10,789,491 |
| Undivided Earnings | 95,922,686 |
| TOTAL EQUITY | 85,133,195 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 812,319,410 |
| INCOME & EXPENSE | |
| Loan Income | 28,932,020 |
| Investment Income | 4,022,377 |
| Other Income | 5,180,721 |
| Total Employee Compensation & Benefits | 14,364,234 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 12,070,539 |
| Non-operating Income & (Expense) | -39,942 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 2,905,085 |
| Cost of Funds | 6,744,040 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 6,293,012 |
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