Civic Intelligence

Heritage Financial Credit Union

EIN 14-1348251 • 501(c)14 • Middletown, NY

View Organization Page

Profile

https://heritagefcu.com/about/what-makes-us-different

25 Rykowski LaneMiddletown, NY 10941

www.heritagefcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

90th percentile

0.93x

Higher debt load relative to assets than 90% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

60th percentile

15.63x

Higher debt load relative to revenue than 60% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

9th percentile

-1.2%

Higher net margin than 9% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

77th percentile

$594,079

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

49th percentile

2.7%

Faster asset growth than 49% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

39th percentile

10%

Faster revenue growth than 39% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$731,003,926

Up $19,009,410 (+2.7%) from 2023

Liabilities

Up

$680,372,709

Up $18,871,877 (+2.9%) from 2023

Net Assets

Up

$50,631,217

Up $137,533 (+0.3%) from 2023

Operations
Liabilities / Revenue60th percentileNet Margin9th percentile

Revenue

Up

$43,533,935

Up $4,092,801 (+10%) from 2023

Expenses

Up

$44,053,308

Up $8,235,722 (+23%) from 2023

Net Income

Down

-$519,373

Down $4,142,921 (-114%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth49th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800M$600M$400M$200M$0Assets 2021: $534,877,422Liabilities 2021: $490,239,653Net Assets 2021: $44,637,7692021Assets 2022: $623,273,313Liabilities 2022: $576,098,428Net Assets 2022: $47,174,8852022Assets 2023: $711,994,516Liabilities 2023: $661,500,832Net Assets 2023: $50,493,6842023Assets 2024: $731,003,926Liabilities 2024: $680,372,709Net Assets 2024: $50,631,2172024

Highlighted filing

2024

Assets$731,003,926
Liabilities$680,372,709
Net Assets$50,631,217
Open 2024 Filing

Operations Trend

Revenue Growth39th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$60M$40M$20M$0-$20MRevenue 2021: $27,512,989Expenses 2021: $23,510,176Net Income 2021: $4,002,8132021Revenue 2022: $31,237,369Expenses 2022: $26,151,580Net Income 2022: $5,085,7892022Revenue 2023: $39,441,134Expenses 2023: $35,817,586Net Income 2023: $3,623,5482023Revenue 2024: $43,533,935Expenses 2024: $44,053,308Net Income 2024: -$519,3732024

Highlighted filing

2024

Revenue$43,533,935
Expenses$44,053,308
Net Income-$519,373
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$731,003,926
Liabilities
$680,372,709
Net assets
$50,631,217
Revenue
$43,533,935
Expenses
$44,053,308
Net income
-$519,373
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$731$680$50.6$43.5$44.1$0.52
2023Detailed filing. Detailed filing data is available for this year.$712$662$50.5$39.4$35.8$3.62
2022Detailed filing. Detailed filing data is available for this year.$623$576$47.2$31.2$26.2$5.09
2021Detailed filing. Detailed filing data is available for this year.$535$490$44.6$27.5$23.5$4.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 15, 2025
Return Version
2024v5.1
Gross Receipts
$46,003,787
Mission and Program Overview

Mission

https://heritagefcu.com/about/what-makes-us-different

httpsheritagefcucomaboutwhatmakesusdifferent Credit Union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$582,694,786$614,102,163▲ $31,407,377
Rtn Earn Endowment Incm Other Fnds$50,493,684$50,631,217▲ $137,533
Investments Other Securities$49,170,589$31,427,282▼ $17,743,307
Land, Buildings, and Equipment, Net$15,669,273$21,244,769▲ $5,575,496
Savings and Temporary Cash Investments$25,294,039$20,833,317▼ $4,460,722
Cash and Non-Interest-Bearing Accounts$6,259,580$5,668,726▼ $590,854
Prepaid Expenses and Deferred Charges$1,335,174$1,587,082▲ $251,908
Accounts Receivable$26,965$641,229▲ $614,264
Total Assets$711,994,516$731,003,926▲ $19,009,410
Other Assets Total$31,544,110$35,499,358▲ $3,955,248
Liabilities
Other Liabilities$654,871,751$672,082,397▲ $17,210,646
Accounts Payable and Accrued Expenses$6,629,081$8,290,312▲ $1,661,231
Total Liabilities$661,500,832$680,372,709▲ $18,871,877
Net Assets / Fund Balance
Total Net Assets Fund Balance$50,493,684$50,631,217▲ $137,533
Total Liabilities and Net Assets / Fund Balance$711,994,516$731,003,926▲ $19,009,410

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$11,852,349$2,842,932-
Land$4,707,267--
Equipment$3,708,781$7,573,970-
Leasehold Improvements$976,372$1,746,560-
Other Securities$26,886,115--
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael CirielloCEOPresidentFT$457,861$136,355$594,079
Frederick CorneliusEvpFT$252,347$74,526$322,128
Jonathan ShakeltonCOOFT$185,348$38,518$223,866
Juliette MckerrellSVP of CommercialFT$164,980$30,252$195,232
Luke DearmondVP of LendingFT$160,252$31,816$187,056
Maryann MaikischVP of HRFT$155,554$37,304$186,602
Jamie CarolanVP of FinanceFT$157,890$30,504$175,837
Shawn SimmonsMlo IiFT$35,521$121,986$174,948
Samantha PrimoMlo IiFT$36,662$154,973$174,369
Michael DesienoAVP of ITFT$132,329$4,792$165,653
Angela MorrillAVP of RetailFT$138,510$7,461$145,971
Linda BowDirector of ComplianceFT$125,819$15,137$140,956
Mario GuarneriVP of AuditFT$135,783$3,075$138,858
Christopher HagarAVP of Sales ServiceFT$129,608$6,320$135,928
RENA D'ANDRAIAAVP of MarketingFT$105,657$25,890$131,547
Nicole BenedettoAVP of CU OperationsFT$118,793$11,325$130,118
Gregory BeckwithAVP of SBOFT$129,635-$129,635
Michelle Rodriguez-sotoAVP of Lending ProductFT$120,950$3,216$124,166
Faber CarmonaDirector of LendingFT$99,909$21,907$121,816
Glenda SerranoChief of StaffFT$112,821$6,128$118,949
Daniel RappaportManager of Real EstateFT$99,336$12,512$111,848
Jillian SequistAVP of Loan OperationsFT$96,786$8,128$104,914

Board Members and Trustees

NameTitle
Kenneth AffeldtChairperson
Thomas HoustonVice Chairperson
John BoyleDirector
John NaumchikDirector
Nicholas GiglioDirector
Sandra GerowSecretary
Jennifer RyanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$41,386,809
Investment Income
$1,831,121
Other Revenue
$316,005
Change in Net Assets
$-519,373

Audited Revenue Reconciliation

Revenue per Audited Statements
$43,533,935
Total Revenue per Audited Statements
$43,533,935
Total Revenue per Form 990
$43,533,935
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$30,556,074
Salaries, Compensation, and Employee Benefits$13,497,234
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$12,414,410
Other Salaries and Wages---$7,667,355
Office Expenses---$3,646,705
Current Officers, Directors, Trustees, and Key Employees---$3,614,757
Advertising---$1,547,145
Occupancy---$1,487,777
Depreciation Depletion---$1,335,313
Other Employee Benefits---$1,000,829
Payroll Taxes---$904,194
Other Expenses---$801,200
Pension Plan Contributions---$310,099
Insurance---$210,158
Fees for Services Legal---$191,142
Conferences and Meetings---$134,550
Travel---$117,521
Total Functional Expenses$0$0$0$44,053,308

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$44,053,308
Total Expenses per Audited Statements$44,053,308
Total Expenses per Form 990$44,053,308
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
DepositsShares$601,082,397
Borrowings$71,000,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI Line 6

“Credit Union with Members”

Part VI Line 7A

“Credit Union with Members”

Part VI Line 11B

“VP of Finance & EVP review prior to filing”

Part VI Line 15A or B

“Compensation system and salary survey utilized requiring BOD”

Part VI Line 15A or B

“approval for 2024.”

Part VI Line 19

“Available upon request.”

Filing and Contact Details

Filer

Filer Name
Heritage Financial Credit Union
EIN
14-1348251
In Care Of
% Jamie Carolan
Phone
8455615607
Address
25 Rykowski Lane, Middletown, NY 10941

Signing Officer

Name
Jamie Carolan
Title
VP of Finance
Phone
8455615607
Signed
2025-05-15

Organization Details

Principal Officer
Michael J Ciriello
Formed
1940
Legal Domicile
Ny
Voting Board Members
7
Independent Board Members
7
Employees
228
Volunteers
11
Supplemental Narrative

Additional Explanations

Part III Line 3

“Core conversion in 2024.”

Part XI Line 9

“Prior Year UGL”

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