TellerScore

Heart O' Texas Federal Credit Union (NCUA charter #11032) is based in Waco, Texas. Its Q2 2026 call report shows $54.6M in total assets and $50.3M in member shares and deposits and 3 offices.

Heart O' Texas Federal Credit Union has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 358th. Funding & liquidity contributes the most (80/100, 80% loans-to-deposits, 4% uninsured); earnings contributes the least (22/100, 0.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion24/100
Net worth ratio: 7.43%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.86%
Earnings22/100
Return on assets (annualized): 0.05%
Funding & liquidity80/100
Loans ÷ shares: 80.2% · 3.6% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.65%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (44 → 49), mostly because the earnings component improved by 16 points.

TellerScore
424853Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202445
Q3 202447
Q4 202442
Q1 202547
Q2 202544
Q3 202547
Q4 202550
Q1 202653
Q2 202649
Net worth ratio
6.61%7.02%7.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20246.61%
Q3 20246.65%
Q4 20246.64%
Q1 20257.03%
Q2 20257.04%
Q3 20257.14%
Q4 20257.24%
Q1 20267.37%
Q2 20267.43%
Delinquent loans (60+ days)
0.17%0.51%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.17%
Q4 20240.63%
Q1 20250.40%
Q2 20250.79%
Q3 20250.71%
Q4 20250.61%
Q1 20260.32%
Q2 20260.86%
Return on assets
-0.81%-0.38%0.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.74%
Q3 2024-0.78%
Q4 2024-0.81%
Q1 2025-0.43%
Q2 2025-0.35%
Q3 2025-0.18%
Q4 2025-0.11%
Q1 2026-0.14%
Q2 20260.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202649$54.6M7.43%0.86%0.05%80.2%
Q1 202653$54.6M7.37%0.32%-0.14%82.6%
Q4 202550$55.9M7.24%0.61%-0.11%80.7%
Q3 202547$55.4M7.14%0.71%-0.18%82.2%
Q2 202544$55.9M7.04%0.79%-0.35%82.8%
Q1 202547$56.3M7.03%0.40%-0.43%83.9%
Q4 202442$58.2M6.64%0.63%-0.81%85.0%
Q3 202447$60.2M6.65%0.17%-0.78%87.2%
Q2 202445$62.4M6.61%0.42%-0.74%88.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio7.43%
3rd
Problem loans0.86%
44th
Net charge-offs0.37%
34th
Return on assets0.05%
21st
Loans to deposits80.2%
19th
Uninsured deposits3.6%
30th
Loan-loss reserves0.00%
37th
Texas ratio10.6%
12th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Baptist Credit UnionCredit union San Antonio, TX63 out of 100, Moderate$54.7M8.7%0.15%vs
Walker County Federal Credit UnionCredit union Huntsville, TX85 out of 100, Very strong$54.3M16.5%0.57%vs
Lifetime Federal Credit UnionCredit union Richardson, TX69 out of 100, Moderate$55.2M18.4%1.91%vs
Big Spring Education Employees Federal Credit UnionCredit union Big Spring, TX99 out of 100, Very strong$55.3M18.6%0.13%vs
City Public Service/Ibew Federal Credit UnionCredit union San Antonio, TX81 out of 100, Strong$56.3M14.9%1.18%vs
Highway District 21 Federal Credit UnionCredit union McAllen, TX95 out of 100, Very strong$51.6M23.1%0.23%vs

Deposit insurance

Is my money safe at Heart O' Texas Federal Credit Union?

Yes. Heart O' Texas Federal Credit Union is a federally insured credit union (NCUA charter #11032). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.6% of shares and deposits ($1.8M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 7.43%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Heart O' Texas Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Heart O' Texas Federal Credit Union
Type
Federal credit union
NCUA charter #
11032
RSSD ID
628589
Primary regulator
NCUA
Established
1956
Headquarters
P. O. Box 11, Waco, TX 76703
Employees
20

Quick answers

Heart O' Texas Federal Credit Union: common questions

Is Heart O' Texas Federal Credit Union NCUA insured?

Yes. Heart O' Texas Federal Credit Union is a federally insured credit union (NCUA charter #11032). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Heart O' Texas Federal Credit Union's TellerScore?

49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Heart O' Texas Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Waco

InstitutionScoreAssetsCapitalProblem loansCompare
Educators Credit UnionCredit union Waco, TX99 out of 100, Very strong$609.5M20.3%0.17%vs
Genco Federal Credit UnionCredit union Waco, TX96 out of 100, Very strong$494.7M14.3%0.19%vs
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
Acadiana Medical Federal Credit UnionCredit union Lafayette, LA92 out of 100, Very strong$13.5M25.5%0.00%vs
The First National Bank of MoodyBank Moody, TX92 out of 100, Very strong$54.2M18.3%0.00%vs
Community Bank & Trust, Waco, TexasBank Waco, TX90 out of 100, Very strong$649.1M15.5%0.21%vs