credit union · NCUA 11032 · TX
How big is HEART O' TEXAS?
HEART O' TEXAS (TX, NCUA charter 11032) reported total assets of $54.6M, 3,935 members and a net worth ratio of 7.43% in its Call Report for 2026Q2. That ranks 2327 of 4,299 federally insured credit unions by assets, 507 of 573 among credit unions with $50m-$100m in assets, 185 of 380 credit unions in texas.
What stands out
HEART O' TEXAS (TX, NCUA charter 11032) reported total assets of $54.6M, 3,935 members and a net worth ratio of 7.43% in its Call Report for 2026Q2. That ranks 2327 of 4,299 federally insured credit unions by assets, 507 of 573 among credit unions with $50m-$100m in assets, 185 of 380 credit unions in texas. Against its size class: net worth ratio 7.43%, below the peer median of 12.95%; loan-to-share ratio 80.24%, above the peer median of 60.93%; return on assets 0.05%, below the peer median of 0.73%. At 7.43% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $54.6M | $72.1M | $49.9M | $68.3M | record → |
| Shares and deposits | $50.3M | $61.4M | $40.8M | $58.3M | record → |
| Loans outstanding | $40.4M | $37.6M | $24.4M | $34.4M | record → |
| Net income (year to date) | $12.3k | $269.0k | $141.6k | $222.2k | record → |
| Net worth | $4.1M | $9.2M | $7.4M | $9.0M | record → |
| Net worth ratio | 7.43% | 12.95% | 13.62% | 12.65% | record → |
| Loan-to-share ratio | 80.24% | 60.93% | 70.24% | 68.70% | computed |
| Return on assets | 0.05% | 0.73% | 0.59% | 0.71% | computed |
| Members | 3,935 | 5,030 | 4,156 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $54.6M | $50.3M | $40.4M | $12.3k | 7.43% | 3,935 | 2327 |
| 2026Q1 | $54.6M | $50.3M | $41.5M | $-19.0k | 7.37% | 4,434 | 2338 |
| 2025Q4 | $55.9M | $51.6M | $41.6M | $-64.2k | 7.24% | 5,632 | 2318 |
| 2025Q3 | $55.4M | $51.1M | $42.0M | $-76.1k | 7.14% | 5,651 | 2335 |
| 2025Q2 | $55.9M | $51.5M | $42.7M | $-97.6k | 7.04% | 5,683 | 2333 |
| 2025Q1 | $56.3M | $51.9M | $43.5M | $-60.1k | 7.03% | 5,728 | 2339 |
| 2024Q4 | $58.2M | $54.2M | $46.0M | $-470.8k | 6.64% | 5,748 | 2301 |
| 2024Q3 | $60.2M | $56.0M | $48.9M | $-352.2k | 6.65% | 5,752 | 2272 |
| 2024Q2 | $62.4M | $57.9M | $51.2M | $-229.4k | 6.61% | 5,766 | 2256 |
| 2024Q1 | $63.3M | $58.9M | $52.0M | $-111.8k | 6.71% | 5,766 | 2253 |
| 2023Q4 | $65.2M | $60.7M | $53.2M | $-319.6k | 6.68% | 5,747 | 2215 |
| 2023Q3 | $64.9M | $59.3M | $53.6M | $-163.9k | 7.01% | 5,707 | 2225 |
| 2023Q2 | $65.4M | $60.4M | $52.1M | $-39.6k | 7.35% | 5,654 | 2221 |
| 2023Q1 | $66.3M | $61.1M | $50.9M | $13.2k | 7.67% | 5,620 | 2230 |
| 2022Q4 | $61.7M | $56.1M | $49.8M | $199.0k | 8.10% | 5,548 | 2297 |
| 2022Q3 | $59.9M | $54.6M | $47.1M | $282.5k | 8.61% | 5,481 | 2344 |
| 2022Q2 | $57.5M | $48.4M | $45.3M | $184.1k | 8.82% | 5,437 | 2397 |
| 2022Q1 | $52.8M | $47.5M | $38.5M | $178.0k | 9.16% | 5,334 | 2485 |
| 2021Q4 | $51.9M | $47.0M | $35.8M | $84.6k | 9.00% | 5,273 | 2485 |
| 2021Q3 | $50.2M | $45.2M | $33.5M | $142.1k | 9.32% | 5,191 | 2514 |
| 2021Q2 | $49.4M | $44.3M | $31.4M | $39.4k | 9.30% | 5,182 | 2519 |
| 2021Q1 | $48.6M | $43.6M | $30.9M | $-73.5k | 9.26% | 5,150 | 2539 |
| 2020Q4 | $47.6M | $42.6M | $30.7M | $55.9k | 9.74% | 5,189 | 2516 |
| 2020Q3 | $46.0M | $41.0M | $30.0M | $88.1k | 10.05% | 5,223 | 2528 |
| 2020Q2 | $45.3M | $40.4M | $29.6M | $131.8k | 10.33% | 5,348 | 2527 |
| 2020Q1 | $42.4M | $37.8M | $29.4M | $-47.1k | 10.16% | 5,542 | 2530 |
| 2019Q4 | $43.3M | $38.5M | $29.7M | $15.2k | 10.07% | 4,395 | 2479 |
| 2019Q3 | $42.9M | $38.0M | $30.3M | $19.1k | 10.17% | 4,568 | 2483 |
| 2019Q2 | $43.6M | $38.7M | $30.9M | $55.3k | 10.08% | 4,965 | 2478 |
| 2019Q1 | $44.9M | $40.1M | $30.2M | $47.6k | 9.77% | 5,336 | 2449 |
| 2018Q4 | $47.7M | $43.1M | $29.6M | $251.2k | 9.10% | 5,511 | 2368 |
| 2018Q3 | $49.7M | $45.0M | $28.9M | $172.2k | 8.58% | 5,643 | 2333 |
| 2018Q2 | $56.0M | $51.3M | $28.4M | $36.1k | 7.44% | 5,770 | 2226 |
| 2018Q1 | $57.1M | $52.6M | $27.7M | $6.1k | 7.40% | 5,864 | 2211 |
| 2017Q4 | $55.8M | $51.3M | $27.1M | $-115.0k | 7.33% | 5,880 | 2206 |
| 2017Q3 | $56.4M | $51.9M | $26.9M | $-118.2k | 7.26% | 5,930 | 2203 |
| 2017Q2 | $56.7M | $52.2M | $26.9M | $-90.6k | 7.23% | 5,979 | 2209 |
| 2017Q1 | $57.6M | $53.1M | $26.4M | $-19.4k | 7.39% | 6,168 | 2200 |
| 2016Q4 | $56.7M | $52.1M | $26.2M | $-389.7k | 7.40% | 6,193 | 2190 |
| 2016Q3 | $56.6M | $51.8M | $26.2M | $-276.6k | 7.63% | 6,296 | 2193 |
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