Federal credit union · San Antonio, Texas · NCUA charter #15650
H E B
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $214.7M
- Total assets
- 12,186
- Members
- 18.1%
- Net-worth ratio
H E B scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $214.7M; members 12,186; net-worth ratio 18.08%; health rank #730 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#730 of 4,374 health · 2025Q4H E B · health 92/100 · $214.7M · 2025Q4
Call Report peers
H E B in the assets neighbourhood
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H E B vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); H E B sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for H E B
- Largest favorable gap: Loan-to-Share Ratio at 90.41% vs peer 72.20% (+18.21 pp).
H E B in Texas
- Health composite ranks #66 of 386 among scored Texas credit unions.
- By total assets, H E B is #102 of 386 in Texas.
- Membership ranks #113 of 386 among Texas CUs with a reported count (12,186 members).
- One place up in Texas, Local 24 Employees (#65) ties at 92/100; one place down, Starr County Teachers (#67) ties at 92/100.
H E B: 2025Q4 → 2026Q1
H E B: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $214.7M (2025Q4) to $218.1M (2026Q1).
- Net-worth ratio shifted -0.05 pp (18.13% → 18.08%).
At 18.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
H E B gives up 8 points in total. Member Growth costs the most, 7.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.08% | +5.97 pp |
| Delinquency Rate | 0.24% | -0.66 pp |
| Return on Assets | 0.96% | +0.34 pp |
| Member Growth | -1.07% | - |
| Loan-to-Share Ratio | 90.41% | +18.21 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
H E B quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $218.1M | - |
| 2025Q4 | $214.7M | 12,186 |
| 2024Q4 | $209.2M | 12,318 |
| 2023Q4 | $208.0M | 12,628 |
Credit Union Details
- Charter Number
- 15650
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- San Antonio
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for H E B.
| Office | City |
|---|---|
| San Antonio Service Center (Main Office) | San Antonio, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- H E B ranks #730 of 4,374 nationally on financial health and #66 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TEXASGULF is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TEXASGULF
Frequently Asked Questions
Is H E B financially healthy?
On its 2025Q4 NCUA 5300 filing, H E B scores 92/100 (Excellent), with a 18.08% net worth ratio and 0.24% of loans delinquent. It ranks #730 of 4,374 nationally on health and #66 of 386 in Texas.
How does H E B compare to other credit unions?
H E B scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (90.41% vs 72.20%).
How can I join H E B?
H E B operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact H E B directly for the exact boundaries and application steps.
Is my money safe at H E B?
H E B is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. H E B's net worth ratio of 18.08% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.