Credit union
American Heritage Credit Union
Philadelphia, Pennsylvania, Philadelphia County, PA
$5.4B in total assets and 330,603 members, the 80th largest of 4,298 US credit unions and 5th of 269 headquartered in Pennsylvania.
- NCUA charter
- 5621
- Charter
- Federal
- Chartered
- 1948
- NCUA insured since
- 1971
- Field of membership
- Multiple common bond - primarily transportation equipment
- Low-income designation
- Yes
At a glance
Compared with 14 federally insured credit unions in Pennsylvania with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $5.4B | 79% | $1.8B | |
| Loans | $3.7B | 79% | $1.2B | |
| Deposits (shares) | $4.4B | 79% | $1.6B | |
| Members | 330,603 | 86% | 110,223 | |
| Return on assets | 0.53% | 29% | 0.75% | |
| Net interest income to assets | 2.86% | 29% | 3.15% | |
| Efficiency ratio | 75.0% | 57% | 73.5% | |
| Net worth ratio | 8.54% | 7% | 10.93% | |
| Loans to shares | 85% | 71% | 80% | |
| Cost of deposits | 2.47% | 86% | 2.02% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 11.8% a year over 10 years and 8.2% a year over the last 5, including 10 mergers in the last 10 years. Membership grew 8.0% a year over 5 years, to 330,603.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Dec 2023 | Trouvaille Federal Credit Union Credit union, Philadelphia, PA | $2M |
| May 2022 | St. Pauls Federal Credit Union Credit union, Philadelphia, PA | $108K |
| Nov 2021 | Viriva Community Credit Union Credit union, Warminster, PA | $84M |
| Nov 2019 | Unity Federal Credit Union Credit union, Oaklyn, NJ | $3M |
| Dec 2018 | Pannonia Federal Credit Union Credit union, Feasterville, PA | $11M |
| Nov 2018 | Holsey Temple Federal Credit Union Credit union, Philadelphia, PA | $29K |
| Oct 2017 | S M Federal Credit Union Credit union, Philadelphia, PA | $58K |
| Oct 2017 | Apex Community Federal Credit Union Credit union, Stowe, PA | $40M |
| May 2017 | First Baptist Church of Darby Federal Credit Union Credit union, Darby, PA | $73K |
| Mar 2017 | Tri AG Federal Credit Union Credit union, Newtown Square, PA | $2M |
| Apr 2016 | Rector Federal Credit Union Credit union, Philadelphia, PA | $119K |
| Apr 2016 | Metropolitan Service Federal Credit Union Credit union, Philadelphia, PA | $22M |
| Jan 2015 | Camco Community Federal Credit Union Credit union, Bellmawr, NJ | $5M |
| Dec 2014 | Zion Federal Credit Union Credit union, Philadelphia, PA | $285K |
| Nov 2012 | UTI Employees Credit Union Credit union, Collegeville, PA | $3M |
| Jun 2012 | Lower Bucks Hospital Federal Credit Union Credit union, Bristol, PA | $2M |
Where they operate
36 branches in 7 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Philadelphia County, PA | 14 | 4.2% | 7 of 68 |
| Bucks County, PA | 9 | 3.9% | 9 of 43 |
| Montgomery County, PA | 6 | 2.0% | 15 of 54 |
| Camden County, NJ | 3 | 3.1% | 10 of 25 |
| Burlington County, NJ | 2 | 1.8% | 14 of 29 |
| Chester County, PA | 1 | 0.6% | 23 of 38 |
| Delaware County, PA | 1 | 0.7% | 24 of 35 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 30 | |
| 2017 | 32 | +2 |
| 2018 | 33 | +1 |
| 2019 | 32 | −1 |
| 2020 | 33 | +1 |
| 2021 | 30 | −3 |
| 2022 | 32 | +2 |
| 2023 | 31 | −1 |
| 2024 | 33 | +2 |
| 2025 | 36 | +3 |
| Jun 2026 | 36 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 1.23% | 0.74% |
| Net worth ratio | 8.54% | 10.93% |
| Loans to shares | 85% | 80% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Pennsylvania
Most branches in Philadelphia County, PA
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.