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.
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NCUA 5300 Call Report Masthead
#3,731 of 4,374 health · 2025Q4Heart O' Texas · health 68/100 · $55.9M · 2025Q4
Call Report peers
Heart O' Texas in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Heart O' Texas sits in 65-69 with 275 others.
68 15th percentile higher than 15% 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 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).
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.
- One place up in Texas, ADVANCIAL (#325) ties at 68/100; one place down, Andrews School (#327) scores 67/100, 1 point lower.
Heart O' Texas: 2025Q4 → 2026Q1
Heart O' Texas: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.3% from $55.9M (2025Q4) to $54.6M (2026Q1).
- Net-worth ratio shifted +0.13 pp (7.24% → 7.37%).
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
Heart O' Texas gives up 32 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Heart O' Texas financially healthy?
Heart O' Texas has a financial health score of 68/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,731 of 4,374 nationally on health and #326 of 386 in Texas. Its net worth ratio is 7.37% and its delinquency rate 0.61%.
How does Heart O' Texas compare to other credit unions?
Heart O' Texas scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (80.67% vs 62.60%). Its widest shortfall is net worth ratio (7.37% vs 13.62%).
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?
Heart O' Texas 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. Heart O' Texas's net worth ratio of 7.37% 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.