Austin, Texas · Peer group 6
United Heritage Credit Union
United Heritage Credit Union holds $1.68B in assets across 83,638 members as of Q1 2026 — about $20K of assets per member, on a charter dating to 1957. Charter number 68251, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.68B |
|---|---|
| Total loans | $1.25B |
| Total shares (deposits) | $1.34B |
| Net worth | $169.1M |
| Members | 83,638 |
| Assets per member | $20K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.9% | |
|---|---|---|
| Loans | 1.0% | around the 27th percentile of its peer group |
| Deposits | 2.5% | around the 30th percentile of its peer group |
| Members | 3.3% | around the 71st 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 | 92.8% | around the 77th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.1% | around the 38th percentile of its peer group |
| Return on assets | 0.68% | around the 51st percentile of its peer group |
| Delinquency ratio | 1.12% | around the 83rd percentile of its peer group |
| Cash / assets | 15.6% | higher than 90% of its peer group |
| Borrowings / assets | 9.2% | higher than 90% of its peer group |
What this page does not show
Everything above is United Heritage 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.
- FirstLight Credit Union
El Paso, TX
$1.63B · 98,481 members
- Datcu Credit Union
DENTON, TX
$1.77B · 112,942 members
- Red River Employees Credit Union
Texarkana, TX
$1.59B · 124,743 members
- Amoco Credit Union
Texas City, TX
$1.50B · 96,998 members
- First Service Credit Union
Houston, TX
$1.48B · 108,239 members
- East Texas Professional Credit Union
Longview, TX
$1.44B · 104,913 members
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