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
Call Report peers
Heritage USA in the assets neighbourhood
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Heritage USA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Heritage USA sits in 75-79 with 502 others.
76 26th percentile higher than 26% 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 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).
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.
- One place up in Texas, Generations Community (#282) ties at 76/100; one place down, Light Commerce (#284) scores 75/100, 1 point lower.
How Heritage USA's 5300 filing moved
Heritage USA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.0% from $101.9M (2025Q4) to $100.9M (2026Q1).
- Net-worth ratio shifted +0.04 pp (9.01% → 9.05%).
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
Heritage USA gives up 24 points in total. Delinquency Rate costs the most, 16.7 of its 25; Return on Assets scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Heritage USA financially healthy?
On its 2025Q4 NCUA 5300 filing, Heritage USA scores 76/100 (Very Good), with a 9.05% net worth ratio and 2.67% of loans delinquent. It ranks #3,209 of 4,374 nationally on health and #283 of 386 in Texas.
How does Heritage USA compare to other credit unions?
Heritage USA scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (90.28% vs 72.20%). Its widest shortfall is net worth ratio (9.05% vs 12.11%).
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?
Heritage USA 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 USA's net worth ratio of 9.05% 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.