Federal credit union · Houston, Texas · NCUA charter #24972
Heritage Hub
Health score 44/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 44
- Health / 100
- $164K
- Total assets
- 79
- Members
- 0.0%
- Net-worth ratio
Heritage Hub - Share Insurance Coverage
Charter #24972's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Heritage Hub - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)0
- Asset quality (delinquency)100
- Earnings (ROA)30
- Member growth-
- Liquidity (loan-to-share)51
Weighted composite: 44/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 0.00%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 0.00% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | N/A | 15% |
| Loan-to-Share Ratio | 17.55% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Credit Union Details
- Charter Number
- 24972
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
What This Data Says About Heritage Hub
Headquartered in Houston, Texas, Heritage Hub is a federal credit union with 79 members, $164K in total assets, and $10K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 44/100 (Below Average), driven in part by a net worth ratio of 0.00% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24972 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.00% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. The loan-to-share ratio of 17.55% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.00% on net income of $0 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.
These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Heritage Hub financially healthy?
Yes/no aside, the number is 44/100 (Below Average) - Heritage Hub's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 0.00% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Heritage Hub compare to other credit unions?
PlainCU's health composite puts Heritage Hub at 44/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Heritage Hub 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. Heritage Hub's net worth ratio of 0.00% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Heritage Hub offer compared to banks?
Credit unions like Heritage Hub 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 Heritage Hub 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.