Sep, 30, 2025 — HERITAGE VALLEY FEDERAL CREDIT UNION is a federal credit union headquartered in YORK, PA with 3 branch locations and about $127.38 million in total assets. Opened 91 years ago in 1935, HERITAGE VALLEY FEDERAL CREDIT UNION has about 13,559 members and employs 29 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 VALLEY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2400 Pleasant Valley Rd YORK, PA 17402-9624 |
| Phone: | (717) 840-4981 |
| Fax: | (717) 840-4982 |
| Website: | https://www.heritagevalleyfcu.org |
| Branches: | 3 branch locations |
| Members: | 13,559 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 303 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $127,384,988 |
| CEO/Manager: | Michael Gutshall |
| Chairperson: | Kathleen A Neff |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,093,828 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 32,318,371 |
| Unsecured Loans | 15,747,232 |
| Other Loans | 17,944,676 |
| TOTAL LOANS | 66,010,279 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -652,256 |
| Land And Building | 2,969,045 |
| Other Fixed Assets | 340,431 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,063,464 |
| All Other Assets | 73,635 |
| TOTAL ASSETS | 127,384,988 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 195 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -1,150,580 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 22,315,978 |
| Regular shares | 48,002,706 |
| All Other Shares & Deposits | 49,971,931 |
| TOTAL SHARES & DEPOSITS | 120,290,615 |
| TOTAL LIABILITIES | 119,140,230 |
| Regular Reserve | 0 |
| Other Reserves | -1,324,532 |
| Undivided Earnings | 9,569,290 |
| TOTAL EQUITY | 8,244,758 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 127,384,988 |
| INCOME & EXPENSE | |
| Loan Income | 3,568,660 |
| Investment Income | 1,189,956 |
| Other Income | 1,181,910 |
| Total Employee Compensation & Benefits | 1,583,799 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,922,691 |
| Non-operating Income & (Expense) | 14,307 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 533,766 |
| Cost of Funds | 953,411 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 608,729 |
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