Federal credit union · Waco, Texas · NCUA charter #11032
Heart O' Texas
Health score 57/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $55.9M
- Total assets
- 5,632
- Members
- 5.3%
- Net-worth ratio
Heart O' Texas - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #11032. See our deposit-insurance coverage note.
Heart O' Texas - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)44
- Asset quality (delinquency)95
- Earnings (ROA)0
- Member growth36
- Liquidity (loan-to-share)100
Weighted composite: 57/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 5.27% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.27% | 30% |
| Delinquency Rate | 0.61% | 25% |
| Return on Assets | -0.84% | 15% |
| Member Growth | -2.02% | 15% |
| Loan-to-Share Ratio | 80.67% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $55.9M | 5,632 |
| 2024Q4 | $58.2M | 5,748 |
| 2023Q4 | $65.2M | 5,747 |
Credit Union Details
- Charter Number
- 11032
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Waco
- Data Quarter
- 2025Q4
What This Data Says About Heart O' Texas
Headquartered in Waco, Texas, Heart O' Texas is a federal credit union with 5,632 members, $55.9M in total assets, and $41.6M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 57/100 (Fair), driven in part by a net worth ratio of 5.27% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #11032 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Deposits deployed into lending sit at a 80.67% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.61% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at -0.84% on net income of $-470793 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.02%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Heart O' Texas financially healthy?
A 5.27% net worth ratio and a 0.61% delinquency rate feed into Heart O' Texas's financial health score of 57/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Heart O' Texas compare to other credit unions?
Heart O' Texas scores 57/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Heart O' Texas?
Heart O' Texas 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 Heart O' Texas directly for the exact boundaries and application steps.
Is my money safe at Heart O' Texas?
Federal credit unions like Heart O' Texas are 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. Heart O' Texas's net worth ratio of 5.27% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Heart O' Texas offer compared to banks?
Credit unions like Heart O' Texas are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Heart O' Texas directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.