Hereford, Texas · Peer group 4
Hereford Texas Credit Union
Hereford Texas Credit Union holds $76.6M in assets across 8,279 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1936. Charter number 1401, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $76.6M |
|---|---|
| Total loans | $42.1M |
| Total shares (deposits) | $59.0M |
| Net worth | $16.4M |
| Members | 8,279 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.9% | |
|---|---|---|
| Loans | -2.4% | around the 38th percentile of its peer group |
| Deposits | 4.7% | around the 73rd percentile of its peer group |
| Members | 0.8% | around the 76th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 71.3% | around the 70th percentile of its peer group |
|---|---|---|
| Net worth ratio | 21.5% | higher than 93% of its peer group |
| Return on assets | 0.80% | around the 57th percentile of its peer group |
| Delinquency ratio | 0.68% | around the 54th percentile of its peer group |
| Cash / assets | 4.2% | lower than 93% of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Hereford Texas Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Southern Credit Union
Houston, TX
$77.6M · 3,655 members
- Freestone Credit Union
Teague, TX
$77.9M · 5,062 members
- Texan Sky Credit Union
Dumas, TX
$78.9M · 8,999 members
- Fannin Credit Union
BONHAM, TX
$79.5M · 6,717 members
- Kbr Heritage Credit Union
HOUSTON, TX
$79.6M · 4,364 members
- Texas Plains Credit Union
Amarillo, TX
$73.2M · 9,943 members
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