credit union · NCUA 6434 · TX
How big is HERITAGE USA?
HERITAGE USA (TX, NCUA charter 6434) reported total assets of $98.5M, 6,892 members and a net worth ratio of 8.80% in its Call Report for 2026Q2. That ranks 1832 of 4,299 federally insured credit unions by assets, 12 of 573 among credit unions with $50m-$100m in assets, 144 of 380 credit unions in texas.
What stands out
HERITAGE USA (TX, NCUA charter 6434) reported total assets of $98.5M, 6,892 members and a net worth ratio of 8.80% in its Call Report for 2026Q2. That ranks 1832 of 4,299 federally insured credit unions by assets, 12 of 573 among credit unions with $50m-$100m in assets, 144 of 380 credit unions in texas. Against its size class: net worth ratio 8.80%, below the peer median of 12.95%; loan-to-share ratio 90.58%, above the peer median of 60.93%; return on assets -1.02%, below the peer median of 0.73%. At 8.80% 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 | $98.5M | $72.1M | $49.9M | $68.3M | record → |
| Shares and deposits | $87.5M | $61.4M | $40.8M | $58.3M | record → |
| Loans outstanding | $79.3M | $37.6M | $24.4M | $34.4M | record → |
| Net income (year to date) | $-503.4k | $269.0k | $141.6k | $222.2k | record → |
| Net worth | $8.7M | $9.2M | $7.4M | $9.0M | record → |
| Net worth ratio | 8.80% | 12.95% | 13.62% | 12.65% | record → |
| Loan-to-share ratio | 90.58% | 60.93% | 70.24% | 68.70% | computed |
| Return on assets | -1.02% | 0.73% | 0.59% | 0.71% | computed |
| Members | 6,892 | 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 | $98.5M | $87.5M | $79.3M | $-503.4k | 8.80% | 6,892 | 1832 |
| 2026Q1 | $100.9M | $89.2M | $80.2M | $-582.0k | 9.05% | 6,926 | 1819 |
| 2025Q4 | $101.9M | $90.6M | $81.8M | $-1.8M | 9.01% | 6,854 | 1806 |
| 2025Q3 | $106.2M | $92.4M | $83.5M | $-227.2k | 10.11% | 6,880 | 1779 |
| 2025Q2 | $105.9M | $91.9M | $81.5M | $135.5k | 10.48% | 6,751 | 1781 |
| 2025Q1 | $110.7M | $98.4M | $77.5M | $48.5k | 9.95% | 6,827 | 1746 |
| 2024Q4 | $103.5M | $91.6M | $78.9M | $987.8k | 10.60% | 6,792 | 1787 |
| 2024Q3 | $106.2M | $93.2M | $79.0M | $791.9k | 10.14% | 6,635 | 1762 |
| 2024Q2 | $95.9M | $83.3M | $76.0M | $549.5k | 10.98% | 6,429 | 1862 |
| 2024Q1 | $92.2M | $80.9M | $71.8M | $262.1k | 11.10% | 6,366 | 1913 |
| 2023Q4 | $86.1M | $75.0M | $70.3M | $1.8M | 11.58% | 6,262 | 1966 |
| 2023Q3 | $77.9M | $67.1M | $67.0M | $1.2M | 12.14% | 6,145 | 2065 |
| 2023Q2 | $79.2M | $69.3M | $63.2M | $794.9k | 11.42% | 5,968 | 2055 |
| 2023Q1 | $69.9M | $59.7M | $60.2M | $398.8k | 12.36% | 5,963 | 2176 |
| 2022Q4 | $65.3M | $56.1M | $56.2M | $1.3M | 12.58% | 5,880 | 2240 |
| 2022Q3 | $65.9M | $56.9M | $53.1M | $1.0M | 12.02% | 5,859 | 2244 |
| 2022Q2 | $65.7M | $56.9M | $50.4M | $672.6k | 11.52% | 5,823 | 2263 |
| 2022Q1 | $64.0M | $56.1M | $47.4M | $311.9k | 11.27% | 5,821 | 2290 |
| 2021Q4 | $63.0M | $55.3M | $47.0M | $818.5k | 10.96% | 5,815 | 2289 |
| 2021Q3 | $61.2M | $53.6M | $46.6M | $649.5k | 11.00% | 5,804 | 2310 |
| 2021Q2 | $60.1M | $53.0M | $44.1M | $322.2k | 10.66% | 5,712 | 2317 |
| 2021Q1 | $60.4M | $53.5M | $42.0M | $121.3k | 10.27% | 5,669 | 2311 |
| 2020Q4 | $56.8M | $50.1M | $43.2M | $789.7k | 10.70% | 5,621 | 2320 |
| 2020Q3 | $56.3M | $49.8M | $43.6M | $613.9k | 10.48% | 5,639 | 2310 |
| 2020Q2 | $59.7M | $53.5M | $43.5M | $289.6k | 9.35% | 5,614 | 2256 |
| 2020Q1 | $55.4M | $49.4M | $43.0M | $164.1k | 9.85% | 5,855 | 2257 |
| 2019Q4 | $54.9M | $49.2M | $44.7M | $778.3k | 9.64% | 5,855 | 2241 |
| 2019Q3 | $54.9M | $49.2M | $44.5M | $612.5k | 9.33% | 5,838 | 2245 |
| 2019Q2 | $55.4M | $49.8M | $43.8M | $398.8k | 8.87% | 5,842 | 2239 |
| 2019Q1 | $56.6M | $51.2M | $44.1M | $198.3k | 8.32% | 5,967 | 2222 |
| 2018Q4 | $55.1M | $50.2M | $41.9M | $817.4k | 8.19% | 5,995 | 2227 |
| 2018Q3 | $53.8M | $48.9M | $39.5M | $609.1k | 7.99% | 5,934 | 2252 |
| 2018Q2 | $55.8M | $51.3M | $38.9M | $375.4k | 7.29% | 5,893 | 2229 |
| 2018Q1 | $53.8M | $49.4M | $36.9M | $135.0k | 7.12% | 5,861 | 2269 |
| 2017Q4 | $50.4M | $46.2M | $34.5M | $280.3k | 7.32% | 5,790 | 2311 |
| 2017Q3 | $50.9M | $46.8M | $34.4M | $204.5k | 7.11% | 5,763 | 2314 |
| 2017Q2 | $50.1M | $45.8M | $35.3M | $111.8k | 7.04% | 5,737 | 2350 |
| 2017Q1 | $50.6M | $46.9M | $28.9M | $100.8k | 7.13% | 6,238 | 2345 |
| 2016Q4 | $47.9M | $44.1M | $29.7M | $-412.2k | 7.13% | 6,237 | 2374 |
| 2016Q3 | $48.6M | $44.7M | $23.2M | $-343.3k | 7.17% | 6,315 | 2362 |
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