Federal credit union · Midland, Texas · NCUA charter #6434
Heritage Usa
Health score 76/100 (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 - 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.
Heritage Usa - 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)92
- Asset quality (delinquency)33
- Earnings (ROA)100
- Member growth67
- Liquidity (loan-to-share)99
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.01% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.01% | 30% |
| Delinquency Rate | 2.67% | 25% |
| Return on Assets | 0.97% | 15% |
| Member Growth | 0.91% | 15% |
| Loan-to-Share Ratio | 90.28% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Heritage Usa
The five-factor composite scores Heritage Usa at 76/100 (Very Good), reflecting a net worth ratio of 9.01% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Midland, Texas, reports 6,854 members, $101.9M in total assets, and $81.8M in outstanding loans as of Q4 2025 under charter #6434 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
2.67% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 90.28% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.97% on net income of $988K 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.
Year-over-year membership changed by 0.91%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.01% 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 9.01% 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.
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.