Midland, Texas · Peer group 5
Heritage USA Credit Union
Heritage USA Credit Union holds $100.9M in assets across 6,926 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1949. Charter number 6434, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $100.9M |
|---|---|
| Total loans | $80.2M |
| Total shares (deposits) | $89.2M |
| Net worth | $9.1M |
| Members | 6,926 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -8.8% | |
|---|---|---|
| Loans | 3.5% | around the 56th percentile of its peer group |
| Deposits | -9.4% | lower than 99% of its peer group |
| Members | 1.5% | around the 70th 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 | 89.9% | around the 89th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.1% | around the 15th percentile of its peer group |
| Return on assets | -2.31% | lower than 100% of its peer group |
| Delinquency ratio | 1.91% | higher than 94% of its peer group |
| Cash / assets | 9.5% | around the 44th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Heritage USA 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.
- Concho Educators Credit Union
SAN ANGELO, TX
$100.9M · 6,702 members
- Windthorst Credit Union
WINDTHORST, TX
$100.1M · 3,058 members
- Texas Dps Credit Union
Austin, TX
$99.9M · 5,762 members
- Edinburg Teachers Credit Union
Edinburg, TX
$97.6M · 6,206 members
- First Watch Credit Union
Abilene, TX
$105.5M · 9,348 members
- Coastal Community Credit Union
Galveston, TX
$96.0M · 11,008 members
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