# THE HERITAGE
Butte, MT · NCUA charter 7141 · asset band <$50M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/the-heritage-7141

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated. 2,065 members of 5,718 potential (36.1% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 78.

**Verdict on the desk:** this could be *too clean*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $20.7M |
| Members | 2,065 (– YoY) |
| Full-time staff | 7 |
| Net worth | $2.9M |
| Net worth ratio | 13.8% (p58 of band) |
| ROA (annualized) | -0.11% (p23 of band) |
| Total delinquency | 0.02% (p12 of band) |
| Net charge-offs (annualized) | 0.36% (p61 of band) |
| Loans / shares | 62% (p60 of band) |
| Cash / assets | 10.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.71% (p38 of band) |
| Operating expense / assets | 3.72% (p60 of band) |
| Vehicles % of loans | 63% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.04% (p29 of band) |
| Vehicle NCO | 0.24% (p64 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 7% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 9% |
| Average share balance | $5,143 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 78% |
| Loans granted per 100 members, annualized | 35% |
| Average loan balance | $6,984 |
| Loans granted, annualized | $7.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 1 |  | losing money |
| 2016-09 | 3 | net worth falling, losing money |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-13 [Heritage Family Credit Union Marks 70 Years With Paramount Theatre Celebration - Mountain Times](https://news.google.com/rss/articles/CBMiigFBVV95cUxQQ19fdmFEVG9tU3dIb296a015ZkFCN3RxWU1FNWFLSjNEYXZ4Sl9jSWprb2FoZE9zb243V1EyRS0wb0txSTkzTWo2YkNFY1NvcE4xWVQ4UEZLMVBUSUdNSFJLM2VINlkwMUpjc01GMUxQellNUlZQeTlGVUg2Q0hYZVU1TnM1THpORGc?oc=5) · Mountain Times
- 2025-11-25 [Heritage Federal Credit Union class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMixgFBVV95cUxNT2RoVEREdndBSTRSMEt5SHlqLTd3dlp3WFQ0ckEwYUpuRzZmSTFjcEFOOUpIUGRnUjRhNGctcXNIb1BFRjlaOW13NHdoVE1JcWRlTlloM0VxRjBmVlRXYTBPdjNaZm04NmVKb1ZzX2RoOWlXTGtic255a3hHbmpTdHpXS1hwa0JkRkNCNV9HRUZ4TzVGWlJSS0FiX0VZc05GTzRMYVI4dUxvcl9qUFZPMThHcGY4WnFrSTltZWl6UW4ySjZRaVE?oc=5) · Top Class Actions
- 2026-05-20 [Heritage Family Credit Union Celebrates 70 Years Of Service At Paramount Theatre Event - Mountain Times](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPSlViVXRnc3ExcmRneWdWLXpHMzI2QWlVZzFMLXRxcXlfS0dVOHhsd0xVMllfaEl3aU1nQnVmNjlZT0dpaDFtRlBtMm04QmNhNnFOaGYydW5aUTFqMnJZaVVnSF9xMGtwY2NKdjM2Z2VWaUQ3ZUNKSXQzOXVsNmYybnFTSXpMeWtoeDhoa2hBbXNQOWJYQ1FwMG9PRmljVEZDTUUtYVJNdDRuXzRPMUxaNi1YdS0zcUxFQlloMXFoV2xsU1E?oc=5) · Mountain Times
- 2020-04-03 [Heritage Trust becomes REV Federal Credit Union - Post and Courier](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOUUlkS0xKcnBkd3dHTG41bVdBdlJfMUJ6WjFRMml5c2tPdmo3bnJLcm96eWVqRS1nN3VjMC0xM29Ucml0ckliRVlqMS1FYnVMQ1l4ME1HQU15NF9FdzB4UmZKN2ZaaGNWMG55TC1ZOXVCdlpOVHdNQkQ5LTJhQmxGYWpWV2JVcV95TVZlNjdWM0syUkMzS3NVQnl4NlFWQjdabVFzSnd0T2xHbXpzQzVGS3UwN1NuS056ZlpZV0dDcUdyREExc28wT0lEcm1zYXlOZjhCNGxYS1NwM25IeWc5cF9rV24wSGJnZFE?oc=5) · Post and Courier
- 2024-04-29 [Robert Norman King Obituary Apr 26, 2024 - obits.jhenrystuhr.com](https://news.google.com/rss/articles/CBMiU0FVX3lxTE9sVlNmZVBBeDk1SjNwT05lUWl4WFlWWUVCS1BfTUZEclVWT29sTTlRUEVFcUNjMVlBLUlVUEpRS2VoaHhoUEYzQklPdnQ1UjdTeE40?oc=5) · obits.jhenrystuhr.com
- 2025-07-15 [James R. "Jim" Schmitz Obituary Jul 15, 2025 - Cress Funeral and Cremation Services](https://news.google.com/rss/articles/CBMibEFVX3lxTE0tTzRMcERSTFNScFFmYWdEUUJUNXlCbWg0YWp2MHg2WVRfWlBIY005WWZsRDVwUnhGT1ZGdDlMUzZsYllqeWVXQ3c2ZE5MUlpsbEN5bEl6TDdwa0w1c0VqcU1LSzR3S3U5Y2k0aw?oc=5) · Cress Funeral and Cremation Services
- 2024-07-03 [Read the World Honors Students with Prizes - Hudson Valley Press](https://news.google.com/rss/articles/CBMijAFBVV95cUxNWVpsNUZXS1MwbUNVV2IxRURKRmpXT2M5amV4Y2NpT2RVNTNPX09GZklFai1wOXB4ZmpLaW5YSUYxNmdOOFVBdGZVZjJ4S1lfYThkby03VjhMYmsxRGxTc1k5NWotXzFnaWlKci1INENSV0Vib0VUMnNZWTNSTUxVQlRRc0hOMDZtNS1aMA?oc=5) · Hudson Valley Press
- 2022-07-19 [Warren C. Wenz Obituary Jul 19, 2022 - Schnider Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE56M052WXpudC1NSThpUGJ3S2ZHQ1V5V0k2NkJPY3NCTVhpLUFLS0lIY3lBSDJNUmhRZkRLUkwyZkpjOE1sWnpJVHliQXlKM3hPcXAwVk5GZjlabzAwRWVUYmVRLTR3Q1Nmbmc?oc=5) · Schnider Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7141 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/37.json (key "7141", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=7141
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide