HERITAGE FINANCIAL
CUMiddletown, NY
Total Assets
$808M
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Total Loans
$667M
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HERITAGE FINANCIAL in NY reported a 12.1% Texas ratio in Q2 2026, increasing +3.4pp from the prior quarter. Nonperforming assets rose to 1.61%, up +0.44pp sequentially.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $279M | 41.8% | — | — |
| 1-4 family — junior lien | $102M | 15.3% | — | — |
| Multifamily | $14M | 2.1% | — | — |
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.
HERITAGE FINANCIAL currently appears on: Rising NPLs by Collateral (Credit Unions)