TellerScore

United Heritage Credit Union (NCUA charter #68251) is based in Austin, Texas. Its Q2 2026 call report shows $1.7B in total assets and $1.3B in member shares and deposits and 9 offices.

Based on its Q2 2026 filing, United Heritage Credit Union scores 56/100, which we describe as moderate. That is higher than only 15% of 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 324th. Its strongest component is problem-loan coverage (81/100; 9.5%), and its lowest is earnings (40/100; 0.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.87%
Loan quality59/100
Loans 60+ days delinquent ÷ total loans: 1.22%
Earnings40/100
Return on assets (annualized): 0.51%
Funding & liquidity67/100
Loans ÷ shares: 92.8% · 6.8% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.50%

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 2 points (58 → 56), mostly because the loan quality component weakened by 8 points.

TellerScore
565961Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202457
Q4 202457
Q1 202558
Q2 202558
Q3 202559
Q4 202561
Q1 202659
Q2 202656
Net worth ratio
7.00%8.53%10.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.59%
Q3 20249.62%
Q4 20249.67%
Q1 20259.70%
Q2 20259.79%
Q3 20259.92%
Q4 202510.01%
Q1 202610.06%
Q2 20269.87%
Delinquent loans (60+ days)
0.86%1.04%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.86%
Q3 20240.92%
Q4 20240.94%
Q1 20250.92%
Q2 20250.98%
Q3 20250.98%
Q4 20250.93%
Q1 20261.12%
Q2 20261.22%
Return on assets
0.47%0.60%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.47%
Q3 20240.48%
Q4 20240.50%
Q1 20250.55%
Q2 20250.54%
Q3 20250.73%
Q4 20250.72%
Q1 20260.68%
Q2 20260.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$1.7B9.87%1.22%0.51%92.8%
Q1 202659$1.7B10.06%1.12%0.68%92.8%
Q4 202561$1.7B10.01%0.93%0.72%93.8%
Q3 202559$1.7B9.92%0.98%0.73%96.3%
Q2 202558$1.6B9.79%0.98%0.54%95.0%
Q1 202558$1.6B9.70%0.92%0.55%94.1%
Q4 202457$1.6B9.67%0.94%0.50%96.0%
Q3 202457$1.6B9.62%0.92%0.48%97.7%
Q2 202457$1.6B9.59%0.86%0.47%99.0%

454 peers · $1 billion – $10 billion

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 ratio9.87%
27th
Problem loans1.22%
18th
Net charge-offs0.44%
60th
Return on assets0.51%
22nd
Loans to deposits92.8%
35th
Uninsured deposits6.8%
73rd
Loan-loss reserves0.00%
50th
Texas ratio9.5%
17th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Firstlight Federal Credit UnionCredit union El Paso, TX68 out of 100, Moderate$1.6B10.3%0.48%vs
Datcu Credit UnionCredit union Denton, TX89 out of 100, Very strong$1.8B17.2%0.13%vs
Red River Employees Federal Credit UnionCredit union Texarkana, TX77 out of 100, Strong$1.6B13.9%0.94%vs
First Service Credit UnionCredit union Houston, TX64 out of 100, Moderate$1.5B10.9%0.62%vs
Amoco Federal Credit UnionCredit union Texas City, TX55 out of 100, Moderate$1.5B9.2%0.93%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs

Deposit insurance

Is my money safe at United Heritage Credit Union?

Yes. United Heritage Credit Union is a federally insured credit union (NCUA charter #68251). 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 6.8% of shares and deposits ($91.7M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.87%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

United Heritage Credit Union lists 9 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, United Heritage Credit Union reported 508 home-loan applications under HMDA (LEI 254900WAN5TOEYBJJR25): 313 originated ($40,965,000 total), 153 denied, and 41 withdrawn or closed by the applicant. Its denial rate on decided applications was 32.8%, 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.

Identity & history

Profile

Legal name
United Heritage Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68251
RSSD ID
834885
Primary regulator
State + NCUA
Established
1957
Headquarters
PO Box 202020, Austin, TX 78720
Employees
230

Quick answers

United Heritage Credit Union: common questions

Is United Heritage Credit Union NCUA insured?

Yes. United Heritage Credit Union is a federally insured credit union (NCUA charter #68251). 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 United Heritage Credit Union's TellerScore?

56 out of 100 (Moderate), 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 United Heritage Credit Union have?

9 offices as of the latest NCUA data.