Federal credit union · HOUSTON, Texas · NCUA charter #8344
Kbr Heritage
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $78.5M
- Total assets
- 4,380
- Members
- 21.4%
- Net-worth ratio
Kbr Heritage scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $78.5M; members 4,380; net-worth ratio 21.42%; health rank #2,376 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,376 of 4,374 health · 2025Q4Kbr Heritage · health 82/100 · $78.5M · 2025Q4
- CAMELS 82/100
- HEALTH 21.4%
- NW 1.04%
- DELQ 0.27%
- ROA $78.5M
- ASSETS 4,380
- MEM #2,376/4,374
- RANK CAMC
- PHOTO 8344
Call Report peers
Kbr Heritage in the assets neighbourhood
Kbr Heritage's $78.5M assets sit next to CAMC ($78.5M) 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.
Kbr Heritage 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
82 43rd percentile higher than 43% 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
Kbr Heritage - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #8344. See our deposit-insurance coverage note.
Where Kbr Heritage diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +7.80 pp (21.42% vs 13.62%).
- Largest lag: Return on Assets at 0.27% vs peer 0.66% (-0.39 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Kbr Heritage in Texas
- In Texas, health place is #215 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #167 of 386.
- Texas membership ordinal: #187 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 Kbr Heritage's 5300 filing moved
Kbr Heritage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $78.5M (2025Q4) to $79.6M (2026Q1).
- Net-worth ratio shifted +0.08 pp (21.34% → 21.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 21.42%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.7 pts
- Return on Assets 11.6 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 14.4 pts
Kbr Heritage health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.42% | +7.80 pp |
| Delinquency Rate | 1.04% | +0.08 pp |
| Return on Assets | 0.27% | -0.39 pp |
| Member Growth | -1.48% | - |
| Loan-to-Share Ratio | 67.62% | +5.02 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Kbr Heritage filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $79.6M | - |
| 2025Q4 | $78.5M | 4,380 |
| 2024Q4 | $86.6M | 4,446 |
| 2023Q4 | $89.4M | 4,608 |
Credit Union Details
- Charter Number
- 8344
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- HOUSTON
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Kbr Heritage runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| KBR HERITAGE FCU (Main Office) | HOUSTON, TX |
| FISERV-Portico | Brookfield, WI |
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
Cross-state asset and health neighbours for Kbr Heritage - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($78.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Kbr Heritage ranks #2,376 of 4,374 nationally on financial health and #215 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FANNIN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FANNIN
- 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 Kbr Heritage financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Kbr Heritage'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 #2,376 of 4,374; by total assets it ranks #2,030 of 4,374 nationally (same basis as /rankings/largest); and #167 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.42% net worth ratio and 1.04% delinquency rate are the key drivers.
How does Kbr Heritage compare to other credit unions?
Five weighted metrics from NCUA filings produce Kbr Heritage's 82/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Kbr Heritage?
Kbr Heritage 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 Kbr Heritage directly for the exact boundaries and application steps.
Is my money safe at Kbr Heritage?
Federal credit unions like Kbr Heritage 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. Kbr Heritage's net worth ratio of 21.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kbr Heritage offer compared to banks?
Credit unions like Kbr Heritage 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 Kbr Heritage 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.