Federal credit union · Waco, Texas · NCUA charter #11032
Heart O' Texas
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $55.9M
- Total assets
- 5,632
- Members
- 7.4%
- Net-worth ratio
Heart O' Texas scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $55.9M; members 5,632; net-worth ratio 7.37%; health rank #3,731 of 4,374; healthier than 15th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,731 of 4,374 health · 2025Q4Heart O' Texas · health 68/100 · $55.9M · 2025Q4
- PHOTO 68/100
- BOOK 7.4%
- CHARTER 0.61%
- NCUSIF -0.84%
- CAMELS $55.9M
- HEALTH 5,632
- NW #3,731/4,374
- DELQ Fraternal Order of Police
- ROA 11032
Call Report peers
Heart O' Texas in the assets neighbourhood
Heart O' Texas's $55.9M assets sit next to Fraternal Order of Police ($56.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Heart O' Texas vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Peer-gap read for Heart O' Texas
- Largest favorable gap: Loan-to-Share Ratio at 80.67% vs peer 62.60% (+18.07 pp).
- Largest lag: Net Worth Ratio at 7.37% vs peer 13.62% (-6.25 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Heart O' Texas sits in Texas
- Health composite ranks #326 of 386 among scored Texas credit unions.
- Texas assets place: #183 of 386.
- Texas membership ordinal: #166 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Heart O' Texas: 2025Q4 → 2026Q1
Heart O' Texas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.3% from $55.9M (2025Q4) to $54.6M (2026Q1).
- Net-worth ratio shifted +0.13 pp (7.24% → 7.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 7.37% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 68/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- Net Worth Ratio 23.4 pts
- Delinquency Rate 23.9 pts
- Return on Assets 0.0 pts
- Member Growth 5.4 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Heart O' Texas
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.37% | -6.25 pp |
| Delinquency Rate | 0.61% | -0.35 pp |
| Return on Assets | -0.84% | -1.50 pp |
| Member Growth | -2.02% | - |
| Loan-to-Share Ratio | 80.67% | +18.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $54.6M | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Heart O' Texas, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Waco, TX |
| Killeen | Killeen, TX |
| L3 | Waco, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Heart O' Texas nationwide neighbourhoods
Heart O' Texas's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($55.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
Using this data
- Heart O' Texas ranks #3,731 of 4,374 nationally on financial health and #326 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- City Public Service/Ibew is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with City Public Service/Ibew
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Heart O' Texas financially healthy?
A 7.37% net worth ratio and a 0.61% delinquency rate feed into Heart O' Texas's financial health score of 68/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,731 of 4,374; by total assets it ranks #2,318 of 4,374 nationally (same basis as /rankings/largest); and #183 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Heart O' Texas compare to other credit unions?
Heart O' Texas scores 68/100 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 7.37% exceeds 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.
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.