Heritage Hub Federal Credit Union is a federal credit union headquartered in Houston, Texas. At the end of Q2 2026 it reported $149K in total assets and $172K in member shares and deposits.
Based on its Q2 2026 filing, Heritage Hub Federal Credit Union scores 50/100, which we describe as below average. That is higher than only 9% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 356th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (0/100; -117.25%).
TellerScore · Q2 2026
Scorecard
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.
6 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 23 points (73 → 50), mostly because the capital cushion component weakened by 100 points.
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| Quarter | TellerScore |
|---|---|
| Q2 2025 | 73 |
| Q3 2025 | 73 |
| Q4 2025 | 85 |
| Q1 2026 | 71 |
| Q2 2026 | 50 |
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| Quarter | Net worth ratio |
|---|---|
| Q1 2025 | 100.00% |
| Q2 2025 | 98.47% |
| Q3 2025 | 86.56% |
| Q4 2025 | 49.54% |
| Q1 2026 | 11.98% |
| Q2 2026 | -15.82% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q1 2025 | 0.00% |
| Q2 2025 | -233.87% |
| Q3 2025 | -14.37% |
| Q4 2025 | 0.12% |
| Q1 2026 | -248.35% |
| Q2 2026 | -117.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 50 | $149K | -15.82% | 0.00% | -117.25% | 51.2% |
| Q1 2026 | 71 | $72K | 11.98% | 0.00% | -248.35% | 21.2% |
| Q4 2025 | 85 | $164K | 49.54% | 0.00% | 0.12% | 17.6% |
| Q3 2025 | 73 | $86K | 86.56% | — | -14.37% | 0.0% |
| Q2 2025 | 73 | $20K | 98.47% | — | -233.87% | 0.0% |
| Q1 2025 | — | $1 | 100.00% | — | 0.00% | — |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Paris District Credit UnionCredit union Paris, TX | 68 out of 100, Moderate | $428K | 20.4% | 1.90% | vs |
| Musicians Federal Credit UnionCredit union Arlington, TX | 64 out of 100, Moderate | $643K | 17.6% | 3.92% | vs |
| Empowerment Community Development Federal Credit UnionCredit union Houston, TX | 17 out of 100, Low | $685K | 5.9% | 42.08% | vs |
| Pear Orchard Federal Credit UnionCredit union Beaumont, TX | 52 out of 100, Below average | $893K | 23.8% | 34.39% | vs |
| Texas Lee Federal Credit UnionCredit union Houston, TX | 86 out of 100, Very strong | $914K | 13.6% | 0.00% | vs |
| Pilgrim Cucc Federal Credit UnionCredit union Houston, TX | 47 out of 100, Below average | $1.0M | 12.1% | 2.72% | vs |
Deposit insurance
Is my money safe at Heritage Hub Federal Credit Union?
Yes. Heritage Hub Federal Credit Union is a federally insured credit union (NCUA charter #24972). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is -15.82%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.
Identity & history
Profile
- Legal name
- Heritage Hub Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24972
- RSSD ID
- 6052140
- Primary regulator
- NCUA
- Established
- 2025
- Headquarters
- 2645 Winrock Blvd, Houston, TX 77057
- Employees
- 2
Quick answers
Heritage Hub Federal Credit Union: common questions
Is Heritage Hub Federal Credit Union NCUA insured?
Yes. Heritage Hub Federal Credit Union is a federally insured credit union (NCUA charter #24972). 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 Heritage Hub Federal Credit Union's TellerScore?
50 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.