Heritage USA
Midland, TX · Charter 6434 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$98.5MAssets
$79.3MLoans
$87.5MShares
$8.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 84% of credit unions under $1B in assets in TX (rank 37 of 235).
- Widest gap: return on equity trails 97% of credit unions under $1B in assets in TX (rank 228 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-1.02%
Rank 224 of 235
Net Interest Margin
4.67%
Rank 37 of 235
Efficiency Ratio
90.87%
Rank 175 of 235
Equity / Assets
8.80%
Rank 219 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.02% | 0.17% | 0.57% | 1.10% | Beats 5% | 224 / 235 | |
| Return on Equity | -11.60% | 1.03% | 4.30% | 7.58% | Beats 3% | 228 / 235 | |
| Net Interest Margin | 4.67% | 3.32% | 3.89% | 4.35% | Beats 84% | 37 / 235 | |
| Efficiency Ratio | 90.87% | 70.60% | 82.00% | 91.57% | Beats 26% | 175 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.14% | 0.20% | 0.59% | 1.14% | Beats 25% | 177 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.80% | 11.30% | 14.41% | 19.49% | Beats 7% | 219 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.80% | 11.30% | 14.41% | 19.49% | Beats 7% | 219 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 90.58% | 54.18% | 67.38% | 81.66% | 89th pctl | 27 / 235 | |
| Loans / Assets | 80.47% | 43.80% | 56.63% | 68.64% | 95th pctl | 12 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |