This institution is no longer active

Operations ceased on March 30, 2007. CRA examination history below reflects the period it was active.

UNITED HERITAGE BANK

EDISON, NJ · Supervised by FDIC

Est. 1997FDIC #34,417RSSD: FDIC-34417

Satisfactory Same

Current rating · Exam: April 2005

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.17%

Institution Profile

FDIC BankFind

Address

1769 Route 27, EDISON, NJ

County

Middlesex County

Established

October 6, 1997

Total Assets

$57M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2005

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 21 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2006Call Report / FDIC

Total Assets

$57M

Total Deposits

$52M

Net Loans

$39M

Net Income

$-98K

ROA

-0.17%

ROE

-1.97%

Risk-Based Capital

13.02%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2000

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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