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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,864 of 4,374 health · 2025Q4Heritage Hub · health 79/100 · $164K · 2025Q4
- PHOTO 79/100
- BOOK 12.0%
- CHARTER 0.00%
- NCUSIF 0.00%
- CAMELS $164K
- HEALTH 79
- NW #2,864/4,374
- DELQ n/a
- ROA 24972
Call Report peers
Heritage Hub carries $164K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Heritage Hub 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
79 33rd percentile higher than 33% 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
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.
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%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
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%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Cross-state asset and health neighbours for Heritage Hub - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- 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 Heritage Hub financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - Heritage Hub's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,864 of 4,374; by total assets it ranks #4,354 of 4,374 nationally (same basis as /rankings/largest); and #386 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.98% 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 79/100, 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 11.98% exceeds 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.
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.