United Heritage
Austin, TX · Charter 68251 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
$1.7BAssets
$1.2BLoans
$1.3BShares
$168.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 28% of credit unions $1B-$10B in assets (rank 314 of 435).
- Widest gap: efficiency ratio trails 82% of credit unions $1B-$10B in assets (rank 359 of 435).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.51%
Rank 343 of 435
Net Interest Margin
3.06%
Rank 314 of 435
Efficiency Ratio
79.54%
Rank 359 of 435
Equity / Assets
9.87%
Rank 316 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.55% | 0.81% | 1.14% | Beats 21% | 343 / 435 | |
| Return on Equity | 5.15% | 5.12% | 7.41% | 9.70% | Beats 26% | 323 / 435 | |
| Net Interest Margin | 3.06% | 3.01% | 3.39% | 3.75% | Beats 28% | 314 / 435 | |
| Efficiency Ratio | 79.54% | 65.25% | 71.39% | 77.86% | Beats 18% | 359 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.22% | 0.45% | 0.69% | 1.05% | Beats 19% | 354 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.87% | 9.81% | 10.84% | 12.63% | Beats 27% | 316 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.87% | 9.81% | 10.84% | 12.63% | Beats 27% | 316 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 92.80% | 78.33% | 88.38% | 95.61% | 64th pctl | 155 / 435 | |
| Loans / Assets | 72.77% | 67.69% | 74.58% | 80.80% | 42nd pctl | 251 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |