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.

From Q2 2025 to Q2 2026, the score rose 3 points (87 → 90), mostly because the earnings component improved by 15 points.

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

Yes. Kbr Heritage Federal Credit Union is a federally insured credit union (NCUA charter #8344). 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 4.6% of shares and deposits ($2.7M) 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 22.63%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Kbr Heritage Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

• Brookfield, WI (1)
• Houston, TX (1)

All branch addresses and map

In 2025, Kbr Heritage Federal Credit Union reported 11 home-loan applications under HMDA (LEI 5493006CXHXIFN8Q4S89): 5 originated ($2,615,000 total), 2 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Kbr Heritage Federal Credit Union

Type

Federal credit union

NCUA charter #

8344

RSSD ID

525080

Primary regulator

NCUA

Established

1953

Headquarters

Po Box 4557, Houston, TX 77210

Employees

10