Federal credit union · Houston, Texas · NCUA charter #24972
Heritage Hub
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $164K
- Total assets
- 79
- Members
- 12.0%
- Net-worth ratio
Heritage Hub scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $164K; members 79; net-worth ratio 11.98%; health rank #2,864 of 4,374; healthier than 33rd of scored peers.
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#2,864 of 4,374 health · 2025Q4Heritage Hub · health 79/100 · $164K · 2025Q4
Call Report peers
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Heritage Hub vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Heritage Hub sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Heritage Hub diverges from peer averages
- Strongest edge vs 243 Under $2M peers is Delinquency Rate: -4.48 pp (0.00% vs 4.48%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -35.15 pp (17.55% vs 52.70%).
Heritage Hub: in-state Call Report ranks
- In Texas, health place is #254 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Heritage Hub is #386 of 386 in Texas.
- Membership ranks #386 of 386 among Texas CUs with a reported count (79 members).
- One place up in Texas, COBURN (#253) ties at 79/100; one place down, Security Service (#255) ties at 79/100.
Quarter path for Heritage Hub
- Assets moved -56.4% from $164K (2025Q4) to $72K (2026Q1).
- Net-worth ratio shifted -37.56 pp (49.54% → 11.98%).
At 11.98%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Heritage Hub gives up 21 points in total. Return on Assets costs the most, 12.4 of its 17.6; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 35.3 pts
- Delinquency Rate 29.4 pts
- Return on Assets 5.3 pts
- Loan-to-Share Ratio 9.0 pts
Call Report ratios for Heritage Hub
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.98% | -10.95 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.00% | -0.22 pp |
| Member Growth | N/A | - |
| Loan-to-Share Ratio | 17.55% | -35.15 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $72K | - |
| 2025Q4 | $164K | 79 |
Credit Union Details
- Charter Number
- 24972
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Location
Heritage Hub operates a single office in Houston, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquaters (Main Office) | Houston, 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.
Other-state peers near Heritage Hub
Using this data
- Heritage Hub ranks #2,864 of 4,374 nationally on financial health and #254 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Paris District is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Paris District
Frequently Asked Questions
Is Heritage Hub financially healthy?
Heritage Hub has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,864 of 4,374 nationally on health and #254 of 386 in Texas. Its net worth ratio is 11.98% and its delinquency rate 0.00%.
How does Heritage Hub compare to other credit unions?
Heritage Hub scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (0.00% vs 4.48%). Its widest shortfall is loan-to-share ratio (17.55% vs 52.70%).
How can I join Heritage Hub?
Heritage Hub 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 Heritage Hub directly for the exact boundaries and application steps.
Is my money safe at Heritage Hub?
Heritage Hub 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. Heritage Hub's net worth ratio of 11.98% 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.