State credit union · Austin, Texas · NCUA charter #68251
United Heritage
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $1.66B
- Total assets
- 82,873
- Members
- 10.1%
- Net-worth ratio
United Heritage scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.66B; members 82,873; net-worth ratio 10.06%; health rank #986 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#986 of 4,374 health · 2025Q4United Heritage · health 91/100 · $1.66B · 2025Q4
Call Report peers
United Heritage in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
United Heritage vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); United Heritage sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
United Heritage: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +9.88 pp (93.78% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -1.12 pp (10.06% vs 11.18%).
United Heritage in Texas
- Health composite ranks #95 of 386 among scored Texas credit unions.
- Assets rank #21 of 386 inside Texas ($1.66B reported).
- Member book place in Texas: #28 of 386.
- One place up in Texas, Sacred Heart Parish Hallettsville (#94) ties at 91/100; one place down, GULF (#96) ties at 91/100.
How United Heritage's 5300 filing moved
United Heritage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $1.66B (2025Q4) to $1.68B (2026Q1).
- Net-worth ratio shifted +0.05 pp (10.01% → 10.06%).
This credit union's 10.06% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
United Heritage gives up 9 points in total. Delinquency Rate costs the most, 4.3 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.7 pts
- Return on Assets 14.7 pts
- Member Growth 12.7 pts
- Loan-to-Share Ratio 12.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.06% | -1.12 pp |
| Delinquency Rate | 0.93% | +0.06 pp |
| Return on Assets | 0.48% | -0.03 pp |
| Member Growth | 3.11% | - |
| Loan-to-Share Ratio | 93.78% | +9.88 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
United Heritage filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.68B | - |
| 2025Q4 | $1.66B | 82,873 |
| 2024Q4 | $1.60B | 80,373 |
| 2023Q4 | $1.53B | 77,791 |
Credit Union Details
- Charter Number
- 68251
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Austin
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, United Heritage runs 12 offices in 6 different cities.
| Office | City |
|---|---|
| United Heritage Plaza (Main Office) | Austin, TX |
| South Austin | Austin, TX |
| Southwest Austin | Austin, TX |
| Lakeway | Austin, TX |
| River Place | Austin, TX |
| North Austin | Austin, TX |
| Cedar Park | Cedar Park, TX |
| Georgetown | Georgetown, TX |
| Kyle | Kyle, TX |
| Round Rock | Round Rock, TX |
| Central Tyler | Tyler, TX |
| Southwest Tyler | Tyler, 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.
Cross-state Call Report peers for United Heritage
Using this data
- United Heritage ranks #986 of 4,374 nationally on financial health and #95 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FIRSTLIGHT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FIRSTLIGHT
Frequently Asked Questions
Is United Heritage financially healthy?
On its 2025Q4 NCUA 5300 filing, United Heritage scores 91/100 (Excellent), with a 10.06% net worth ratio and 0.93% of loans delinquent. It ranks #986 of 4,374 nationally on health and #95 of 386 in Texas.
How does United Heritage compare to other credit unions?
United Heritage scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.78% vs 83.90%). Its widest shortfall is net worth ratio (10.06% vs 11.18%).
How can I join United Heritage?
Membership eligibility for United Heritage depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact United Heritage directly for current membership requirements and application steps.
Is my money safe at United Heritage?
United Heritage is a state-chartered 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. United Heritage's net worth ratio of 10.06% 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.