credit union · NCUA 68251 · TX
How big is UNITED HERITAGE?
UNITED HERITAGE (TX, NCUA charter 68251) reported total assets of $1.7B, 84,014 members and a net worth ratio of 9.87% in its Call Report for 2026Q2. That ranks 294 of 4,299 federally insured credit unions by assets, 269 of 454 among credit unions with $1b-$10b in assets, 20 of 380 credit unions in texas.
What stands out
UNITED HERITAGE (TX, NCUA charter 68251) reported total assets of $1.7B, 84,014 members and a net worth ratio of 9.87% in its Call Report for 2026Q2. That ranks 294 of 4,299 federally insured credit unions by assets, 269 of 454 among credit unions with $1b-$10b in assets, 20 of 380 credit unions in texas. Against its size class: net worth ratio 9.87%, below the peer median of 10.89%; loan-to-share ratio 92.80%, above the peer median of 88.03%; return on assets 0.51%, below the peer median of 0.80%. At 9.87% 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 | $1.7B | $2.1B | $49.9M | $68.3M | record → |
| Shares and deposits | $1.3B | $1.8B | $40.8M | $58.3M | record → |
| Loans outstanding | $1.2B | $1.5B | $24.4M | $34.4M | record → |
| Net income (year to date) | $4.3M | $8.3M | $141.6k | $222.2k | record → |
| Net worth | $168.7M | $244.6M | $7.4M | $9.0M | record → |
| Net worth ratio | 9.87% | 10.89% | 13.62% | 12.65% | record → |
| Loan-to-share ratio | 92.80% | 88.03% | 70.24% | 68.70% | computed |
| Return on assets | 0.51% | 0.80% | 0.59% | 0.71% | computed |
| Members | 84,014 | 115,183 | 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 | $1.7B | $1.3B | $1.2B | $4.3M | 9.87% | 84,014 | 294 |
| 2026Q1 | $1.7B | $1.3B | $1.2B | $2.9M | 10.06% | 83,638 | 298 |
| 2025Q4 | $1.7B | $1.3B | $1.3B | $12.0M | 10.01% | 82,873 | 298 |
| 2025Q3 | $1.7B | $1.3B | $1.3B | $9.1M | 9.92% | 82,181 | 293 |
| 2025Q2 | $1.6B | $1.3B | $1.2B | $4.4M | 9.79% | 81,275 | 295 |
| 2025Q1 | $1.6B | $1.3B | $1.2B | $2.2M | 9.70% | 80,998 | 294 |
| 2024Q4 | $1.6B | $1.3B | $1.2B | $8.0M | 9.67% | 80,373 | 297 |
| 2024Q3 | $1.6B | $1.3B | $1.3B | $5.7M | 9.62% | 80,128 | 298 |
| 2024Q2 | $1.6B | $1.3B | $1.3B | $3.7M | 9.59% | 79,473 | 302 |
| 2024Q1 | $1.5B | $1.3B | $1.3B | $1.7M | 9.59% | 78,723 | 304 |
| 2023Q4 | $1.5B | $1.3B | $1.3B | $8.4M | 9.56% | 77,791 | 302 |
| 2023Q3 | $1.5B | $1.3B | $1.3B | $6.3M | 9.47% | 77,457 | 299 |
| 2023Q2 | $1.5B | $1.3B | $1.3B | $4.4M | 9.25% | 76,977 | 298 |
| 2023Q1 | $1.5B | $1.3B | $1.3B | $2.9M | 9.21% | 78,024 | 300 |
| 2022Q4 | $1.5B | $1.3B | $1.3B | $17.0M | 9.11% | 77,296 | 298 |
| 2022Q3 | $1.5B | $1.3B | $1.3B | $13.1M | 8.96% | 76,901 | 300 |
| 2022Q2 | $1.5B | $1.3B | $1.3B | $8.2M | 8.80% | 76,042 | 300 |
| 2022Q1 | $1.4B | $1.3B | $1.2B | $4.0M | 8.71% | 75,331 | 307 |
| 2021Q4 | $1.4B | $1.3B | $1.2B | $13.5M | 8.65% | 73,711 | 306 |
| 2021Q3 | $1.4B | $1.3B | $1.1B | $9.9M | 8.51% | 72,427 | 305 |
| 2021Q2 | $1.3B | $1.2B | $1.1B | $5.8M | 8.55% | 71,070 | 314 |
| 2021Q1 | $1.3B | $1.2B | $1.0B | $2.5M | 8.53% | 71,058 | 315 |
| 2020Q4 | $1.2B | $1.1B | $967.0M | $7.0M | 8.79% | 69,732 | 317 |
| 2020Q3 | $1.2B | $1.1B | $924.3M | $4.7M | 8.88% | 68,593 | 318 |
| 2020Q2 | $1.2B | $1.1B | $892.9M | $2.4M | 8.87% | 67,787 | 319 |
| 2020Q1 | $1.1B | $977.1M | $877.0M | $1.4M | 9.46% | 67,803 | 318 |
| 2019Q4 | $1.1B | $963.5M | $875.4M | $6.9M | 9.37% | 67,139 | 306 |
| 2019Q3 | $1.1B | $939.6M | $867.3M | $5.6M | 9.38% | 66,467 | 305 |
| 2019Q2 | $1.1B | $920.2M | $851.1M | $4.1M | 9.34% | 65,423 | 309 |
| 2019Q1 | $1.0B | $908.2M | $845.0M | $2.0M | 9.28% | 65,150 | 312 |
| 2018Q4 | $1.0B | $885.7M | $842.8M | $9.0M | 9.18% | 64,385 | 303 |
| 2018Q3 | $1.0B | $882.0M | $826.1M | $7.3M | 9.12% | 63,801 | 302 |
| 2018Q2 | $992.5M | $878.1M | $818.7M | $4.9M | 9.06% | 62,874 | 307 |
| 2018Q1 | $969.4M | $870.9M | $810.7M | $2.4M | 9.02% | 62,631 | 308 |
| 2017Q4 | $957.6M | $854.3M | $806.4M | $7.8M | 8.88% | 62,001 | 302 |
| 2017Q3 | $947.0M | $850.5M | $788.9M | $5.3M | 8.71% | 61,333 | 304 |
| 2017Q2 | $932.4M | $846.8M | $773.3M | $3.1M | 8.62% | 60,374 | 304 |
| 2017Q1 | $918.0M | $836.4M | $746.3M | $1.4M | 8.57% | 59,910 | 303 |
| 2016Q4 | $896.5M | $813.1M | $741.8M | $5.2M | 8.62% | 58,983 | 301 |
| 2016Q3 | $884.4M | $803.8M | $721.7M | $4.0M | 8.60% | 58,145 | 301 |
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