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HERITAGE VALLEY FEDERAL CREDIT UNION

Dec, 31, 2023 — HERITAGE VALLEY FEDERAL CREDIT UNION is a federal credit union headquartered in YORK, PA with 3 branch locations and about $117.02 million in total assets. Opened 89 years ago in 1935, HERITAGE VALLEY FEDERAL CREDIT UNION has about 13,555 members and employs 35 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 231387385
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://heritagevalleyfcu.org
Branches:3 branch locations
Members:13,555
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, 2022
FHLB Member:Yes
Low Income Designation:No
Assets:$117,018,812
CEO/Manager:Michael Gutshall
Chairperson:Kathleen A Neff

Call Report

  • Credit Builder
  • Payday Alternative Loans (PAL Loans)
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 1,523,645
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 25,527,770
 Unsecured Loans 18,878,342
 Other Loans 20,401,659
 TOTAL LOANS 64,807,771
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -865,857
 Land And Building 3,207,242
 Other Fixed Assets 396,349
 NCUSIF Deposit 1,046,878
 All Other Assets 61,491
  TOTAL ASSETS 117,018,812
LIABILITIES & CAPITAL:  
 Dividends Payable 323
 Notes & Interest Payable 6,500,000
 Accounts Payable & Other Liabilities -138,235
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 21,958,564
 Regular shares 46,091,768
 All Other Shares & Deposits 36,826,692
  TOTAL SHARES & DEPOSITS 104,877,024
  TOTAL LIABILITIES 111,239,112
 Regular Reserve 0
 Other Reserves -3,276,896
 Undivided Earnings 9,056,596
  TOTAL EQUITY 5,779,700
  TOTAL LIABILITIES, SHARES, & EQUITY 117,018,812
INCOME & EXPENSE  
 Loan Income 4,072,769
 Investment Income 657,900
 Other Income 1,560,496
 Total Employee Compensation & Benefits 2,269,798
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 3,391,119
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 263,740
 Cost of Funds 753,003
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 130,690
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