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
Call Report peers
Kbr Heritage in the assets neighbourhood
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Kbr Heritage vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Kbr Heritage sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Texas, Star of Texas (#214) ties at 82/100; one place down, PANTEX (#216) ties at 82/100.
How Kbr Heritage's 5300 filing moved
Kbr Heritage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $78.5M (2025Q4) to $79.6M (2026Q1).
- Net-worth ratio shifted +0.08 pp (21.34% → 21.42%).
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
Kbr Heritage gives up 18 points in total. Member Growth costs the most, 8.7 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Kbr Heritage financially healthy?
Kbr Heritage has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,376 of 4,374 nationally on health and #215 of 386 in Texas. Its net worth ratio is 21.42% and its delinquency rate 1.04%.
How does Kbr Heritage compare to other credit unions?
Kbr Heritage scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (21.42% vs 13.62%). Its widest shortfall is return on assets (0.27% vs 0.66%).
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?
Kbr Heritage 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. Kbr Heritage's net worth ratio of 21.42% 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.