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The Lender Report built this page from public records. Heritage Family Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Heritage Family Credit Union itself. Each figure shows its source and date. Work at Heritage Family Credit Union? You can claim this page for free.
Credit union, Rutland, VT
Heritage Family Credit Union
A credit union based in Rutland, VT. Its commercial book is led by owner-occupied CRE and non-owner-occupied CRE. Public files show recent SBA 7(a) and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $103M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 20
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 19
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $870M
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 802-775-4930 From the NCUA record, June 30, 2026.
- Website
- www.hfcuvt.comFrom the NCUA record, November 9, 2026.
- Commercial lending page
- hfcuvt.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- HERITAGE FAMILY; Heritage Family FCUNCUA 5300,
- Address
- 26 Allen St, Rutland, VT 05701NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Community - Rural District.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 19 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 18.8% to $19.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Multifamily balance rose 48.8% to $12.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jul 2026 | Vermont | SBA 7(a), Clothing and Clothing Accessories Retailers | $75K | 7.75% | 1 yr | SBA FOIA | |
| Apr 2026 | Vermont | SBA 7(a), Fitness and Recreational Sports Centers | $130K | 8.5% | 7 yr | SBA FOIA | |
| Apr 2026 | Vermont | SBA 7(a), Fitness and Recreational Sports Centers | $40K | 7.75% | 1 yr | SBA FOIA | |
| Dec 2025 | Vermont | SBA 7(a), Full-Service Restaurants | $85K | 9% | 5 yr | SBA FOIA | |
| Jul 2025 | Vermont | SBA 7(a), Full-Service Restaurants | $100K | 9% | 1 yr | SBA FOIA | |
| Jul 2025 | Vermont | SBA 7(a), Full-Service Restaurants | $25K | 8% | 4 yr | SBA FOIA | |
| May 2025 | Vermont | SBA 7(a), Residential Remodelers | $50K | 8.5% | 1 yr | SBA FOIA | |
| Mar 2025 | Vermont | SBA 7(a), Administrative and Support and Waste Management and Remediation Services | $86K | 8.75% | 7 yr | SBA FOIA | |
| Feb 2025 | Vermont | SBA 7(a), Other Services to Buildings and Dwellings | $75K | 8.5% | 2 yr | SBA FOIA | |
| Feb 2025 | Vermont | SBA 7(a), Limited-Service Restaurants | $50K | 8.5% | 5 yr | SBA FOIA | |
| Dec 2024 | Vermont | SBA 7(a), Caterers | $35K | 9.25% | 4 yr | SBA FOIA | |
| Nov 2024 | Vermont | SBA 7(a), Manufacturing | $260K | 7% | 20 yr | SBA FOIA | |
| Nov 2024 | Vermont | SBA 7(a), Manufacturing | $40K | 8.75% | 2 yr | SBA FOIA | |
| Jun 2024 | Vermont | SBA 7(a), All Other Specialty Trade Contractors | $61K | 9.5% | 4 yr | SBA FOIA | |
| May 2024 | Vermont | SBA 7(a), Agriculture, Forestry, Fishing and Hunting | $110K | 9% | 10 yr | SBA FOIA | |
| Apr 2024 | Vermont | SBA 7(a), Landscaping Services | $100K | 9.5% | 3 yr | SBA FOIA | |
| Feb 2024 | Vermont | SBA 7(a), General Automotive Repair | $100K | 9.5% | 2 yr | SBA FOIA | |
| Jan 2024 | Vermont | SBA 7(a), Limited-Service Restaurants | $210K | 7.5% | 10 yr | SBA FOIA | |
| Jan 2024 | Vermont | SBA 7(a), Construction | $100K | 9.5% | 3 yr | SBA FOIA | |
| 19 SBA 7(a) loans since October 2023, net of cancelled | $1.73M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $12.1M | 1.9% | +48.8% | 41 | $294K |
| Construction and land development | $8.37M | 1.3% | Not reported | 4 | $2.09M |
| Owner-occupied CRE | $53.0M | 8.4% | -5.4% | 205 | $259K |
| Non-owner-occupied CRE | $19.1M | 3.0% | +18.8% | 39 | $488K |
| Farmland | $94.1K | 0.0% | Not reported | 1 | $94.1K |
| Commercial and industrial | $10.0M | 1.6% | +13.4% | 153 | $65.6K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $103M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $79.8M |
| Q4 2023 | $79.5M |
| Q1 2024 | $79.8M |
| Q2 2024 | $81.1M |
| Q3 2024 | $81.5M |
| Q4 2024 | $83.5M |
| Q1 2025 | $84.5M |
| Q2 2025 | $89.2M |
| Q3 2025 | $94.8M |
| Q4 2025 | $98.4M |
| Q1 2026 | $101M |
| Q2 2026 | $103M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 19 | $1.73M | $85.0K | $260K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 4 | $330K | SBA FOIA, | ||
| Real-estate-secured commercial | First half of 2026 | 20 | $6.61M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 4 | $1.86M | NCUA 5300, | ||
| Construction | First half of 2026 | 1 | $750K | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 11 | $1.95M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 4 | $2.05M | NCUA 5300, | ||
| C&I | First half of 2026 | 18 | $2.76M | NCUA 5300, |
How these public files were tied to this lender. SBA 7(a) loans: its NCUA charter number.
| Book | Average loan |
|---|---|
| Construction and land development | $2.09M |
| Multifamily | $294K |
| Owner-occupied CRE | $259K |
| Non-owner-occupied CRE | $488K |
| Farmland | $94.1K |
| Commercial and industrial | $65.6K |
Programs on record: Federal Home Loan Bank member, Boston district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Vermont HQ | 11 | 19 | 0 | ||
| New Hampshire | 1 | 0 | 0 | ||
| New York | 1 | 0 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $107M | $107M to $140M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $121M | $9.99M to $129M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 113.1% | 9.3% to 101.6% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $15.8M | $11.5M to $20.6M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 37.6% | 3.8% to 61.8% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 72.7% | 47.5% to 80.5% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- SBA Express
- 19 loans
- Approval to first disbursement
- 22 days, median of 19
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Vermont Credit Union | VT | $1.14B | $117M |
| North Country Credit Union | VT | $1.14B | $71.7M |
| PFCU Credit Union | MI | $873M | $12.0M |
| 4front Credit Union | MI | $1.04B | $169M |
| All One Credit Union | MA | $881M | $63.6M |
| Arbor Financial Credit Union | MI | $899M | $91.1M |
| Campus Credit Union | LA | $936M | $59.3M |
| TLC Community Credit Union | MI | $950M | $30.9M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Heritage Family Credit Union, NCUA charter 24742. Compare it with the regulator's record. [NCUA profile]
- Balances. $870M in total assets and $103M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 20 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 19 loans in SBA files, through September 30, 2026: 19 SBA 7(a) in 36 months. [How each file was tied to Heritage Family Credit Union]
- Phone and website. Phone 802-775-4930, from the NCUA record. Website hfcuvt.com, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 24742
- RSSD
- 668192
- The Lender Report ID
- lr_001729
- Main office county
- Rutland
- Members
- 50,770
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $869.8M in total assets as of June 30, 2026 (NCUA 5300).
- Held $102.6M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $53M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $19.1M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 18.8% from a year earlier (NCUA 5300).
- Held $12.1M of multifamily loans as of June 30, 2026, up 48.8% from a year earlier (NCUA 5300).
- Recorded 20 SBA 7(a) approvals totaling $1.8M from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
3 more sentences
- Originated 20 real-estate-secured commercial loans totaling $6.6M in the first half of 2026 (NCUA 5300).
- Held $4.7M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 13 offices in 3 states (NCUA).
Cite this
Source: The Lender Report, Heritage Family Credit Union, https://lender.report/lender/heritage-family-credit-union-vt/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Heritage Family Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem