Heritage USA Federal Credit Union (NCUA charter #6434) is based in Midland, Texas. Its Q2 2026 call report shows $98.5M in total assets and $87.5M in member shares and deposits and 2 offices.
Heritage USA Federal Credit Union has a TellerScore of 45 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 366th. Problem-loan coverage contributes the most (79/100, 10.4%); earnings contributes the least (0/100, -1.02%).
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (50 → 45), mostly because the earnings component weakened by 30 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 60 |
| Q4 2024 | 51 |
| Q1 2025 | 48 |
| Q2 2025 | 50 |
| Q3 2025 | 33 |
| Q4 2025 | 30 |
| Q1 2026 | 38 |
| Q2 2026 | 45 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.98% |
| Q3 2024 | 10.14% |
| Q4 2024 | 10.60% |
| Q1 2025 | 9.95% |
| Q2 2025 | 10.48% |
| Q3 2025 | 10.11% |
| Q4 2025 | 9.01% |
| Q1 2026 | 9.05% |
| Q2 2026 | 8.80% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.68% |
| Q3 2024 | 1.41% |
| Q4 2024 | 2.46% |
| Q1 2025 | 1.99% |
| Q2 2025 | 1.90% |
| Q3 2025 | 3.26% |
| Q4 2025 | 2.67% |
| Q1 2026 | 1.91% |
| Q2 2026 | 1.14% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 0.99% |
| Q4 2024 | 0.95% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.26% |
| Q3 2025 | -0.29% |
| Q4 2025 | -1.75% |
| Q1 2026 | -2.31% |
| Q2 2026 | -1.02% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 45 | $98.5M | 8.80% | 1.14% | -1.02% | 90.6% |
| Q1 2026 | 38 | $100.9M | 9.05% | 1.91% | -2.31% | 89.9% |
| Q4 2025 | 30 | $101.9M | 9.01% | 2.67% | -1.75% | 90.3% |
| Q3 2025 | 33 | $106.2M | 10.11% | 3.26% | -0.29% | 90.3% |
| Q2 2025 | 50 | $105.9M | 10.48% | 1.90% | 0.26% | 88.6% |
| Q1 2025 | 48 | $110.7M | 9.95% | 1.99% | 0.18% | 78.7% |
| Q4 2024 | 51 | $103.5M | 10.60% | 2.46% | 0.95% | 86.1% |
| Q3 2024 | 60 | $106.2M | 10.14% | 1.41% | 0.99% | 84.8% |
| Q2 2024 | 60 | $95.9M | 10.98% | 1.68% | 1.15% | 91.3% |
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 |
|---|---|---|---|---|---|
| Texas Dps Credit UnionCredit union Austin, TX | 79 out of 100, Strong | $98.1M | 12.5% | 0.15% | vs |
| Edinburg Teachers Credit UnionCredit union Edinburg, TX | 85 out of 100, Very strong | $98.0M | 22.6% | 0.12% | vs |
| Texas Bridge Credit UnionCredit union Corpus Christi, TX | 68 out of 100, Moderate | $99.2M | 8.2% | 0.23% | vs |
| Concho Educators Federal Credit UnionCredit union San Angelo, TX | 72 out of 100, Strong | $99.4M | 11.7% | 0.42% | vs |
| Cooperative TeachersCredit union Tyler, TX | 30 out of 100, Low | $93.8M | 7.9% | 4.31% | vs |
| Coastal Community Federal Credit UnionCredit union Galveston, TX | 39 out of 100, Low | $93.3M | 9.9% | 2.79% | vs |
Deposit insurance
Is my money safe at Heritage USA Federal Credit Union?
Yes. Heritage USA Federal Credit Union is a federally insured credit union (NCUA charter #6434). 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 7.3% of shares and deposits ($6.4M) 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 8.80%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Heritage USA Federal Credit Union lists 2 offices in 1 city. Most locations:
- Midland, TX (2)
Identity & history
Profile
- Legal name
- Heritage USA Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 6434
- RSSD ID
- 978686
- Primary regulator
- NCUA
- Established
- 1949
- Headquarters
- 5507 W Wadley Ave, Midland, TX 79707
- Employees
- 35
Quick answers
Heritage USA Federal Credit Union: common questions
Is Heritage USA Federal Credit Union NCUA insured?
Yes. Heritage USA Federal Credit Union is a federally insured credit union (NCUA charter #6434). 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 USA Federal Credit Union's TellerScore?
45 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 Heritage USA Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Midland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Federal Credit UnionCredit union Big Spring, TX | 90 out of 100, Very strong | $201.9M | 14.6% | 0.13% | vs |
| Odessa Employees Credit UnionCredit union Odessa, TX | 89 out of 100, Very strong | $21.0M | 16.1% | 0.00% | vs |
| Complex Community Federal Credit UnionCredit union Odessa, TX | 85 out of 100, Very strong | $818.2M | 13.8% | 0.59% | vs |
| The First National Bank of StantonBank Stanton, TX | 85 out of 100, Very strong | $394.9M | 17.5% | 1.08% | vs |
| Midland Municipal Employees Credit UnionCredit union Midland, TX | 85 out of 100, Very strong | $17.1M | 14.9% | 0.44% | vs |
| Southwest Heritage Credit UnionCredit union Odessa, TX | 83 out of 100, Strong | $260.9M | 13.3% | 0.20% | vs |