Federal credit union · Midland, Texas · NCUA charter #6434
Heritage USA
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $101.9M
- Total assets
- 6,854
- Members
- 9.0%
- Net-worth ratio
Heritage USA scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $101.9M; members 6,854; net-worth ratio 9.05%; health rank #3,209 of 4,374; healthier than 26th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,209 of 4,374 health · 2025Q4Heritage USA · health 76/100 · $101.9M · 2025Q4
- BOOK 76/100
- CHARTER 9.0%
- NCUSIF 2.67%
- CAMELS 0.97%
- HEALTH $101.9M
- NW 6,854
- DELQ #3,209/4,374
- ROA Connect Credit Union
- ASSETS 6434
Call Report peers
Heritage USA in the assets neighbourhood
Heritage USA's $101.9M assets sit next to Connect Credit Union ($101.9M) 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.
Heritage USA 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
76 26th percentile higher than 26% 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 USA - Share Insurance Coverage
Charter #6434'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.
Peer-gap read for Heritage USA
- Loan-to-Share Ratio leads the peer set - 90.28% here, 72.20% peer average (+18.08 pp).
- Net Worth Ratio trails the peer set - 9.05% here, 12.11% peer average (-3.06 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Heritage USA sits in Texas
- In Texas, health place is #283 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Heritage USA is #142 of 386 in Texas.
- Texas membership ordinal: #153 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.
How Heritage USA's 5300 filing moved
Heritage USA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.0% from $101.9M (2025Q4) to $100.9M (2026Q1).
- Net-worth ratio shifted +0.04 pp (9.01% → 9.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.05% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 8.3 pts
- Return on Assets 15.0 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.05% | -3.06 pp |
| Delinquency Rate | 2.67% | +1.77 pp |
| Return on Assets | 0.97% | +0.35 pp |
| Member Growth | 0.91% | - |
| Loan-to-Share Ratio | 90.28% | +18.08 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Heritage USA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $100.9M | - |
| 2025Q4 | $101.9M | 6,854 |
| 2024Q4 | $103.5M | 6,792 |
| 2023Q4 | $86.1M | 6,262 |
Credit Union Details
- Charter Number
- 6434
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Midland
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Heritage USA.
| Office | City |
|---|---|
| Heritage USA Federal Credit Union (Main Office) | Midland, TX |
| Heritage USA Federal Credit Union | Midland, 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.
Nationwide credit unions with similar profiles
Heritage USA's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($101.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- Heritage USA ranks #3,209 of 4,374 nationally on financial health and #283 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Watch is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Watch
- 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 USA financially healthy?
Yes/no aside, the number is 76/100 (Very Good) - Heritage USA'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 #3,209 of 4,374; by total assets it ranks #1,806 of 4,374 nationally (same basis as /rankings/largest); and #142 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.05% net worth ratio and 2.67% delinquency rate are the key drivers.
How does Heritage USA compare to other credit unions?
PlainCU's health composite puts Heritage USA at 76/100, compared to a peer group average for $100M–$500M 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 USA?
Heritage USA 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 USA directly for the exact boundaries and application steps.
Is my money safe at Heritage USA?
Federal credit unions like Heritage USA 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 USA's net worth ratio of 9.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Heritage USA offer compared to banks?
Credit unions like Heritage USA 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 USA 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.