Charter 6434 · Midland, TX
Heritage USA Federal Credit Union
Heritage USA Federal Credit Union is a federally chartered credit union in Midland, Texas, with $98.5 million in assets and 6,892 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.80%, above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $98.5 million
- -7.0% in a year
- Members
- 6,892
- +2.1% in a year
- Net worth ratio
- 8.80%
- Peer median 12.95%
- Loans 60+ days late
- 1.14%
- Peer median 0.67%
- Loans outstanding
- $79.3 million
- -2.7% in a year
- Shares and deposits
- $87.5 million
- -4.8% in a year
- Branches
- 3
- 35 employees
- Opened
- 1949
- Federal charter
How Heritage USA Federal Credit Union compares
NCUA groups credit unions by size; Heritage USA Federal Credit Union is in the group with $50 million to $100 million (573 credit unions). Its net worth ratio of 8.80% is lower than that group's median of 12.95%, and its share of loans 60 or more days past due, 1.14%, is higher than the group median of 0.67%. Loans fell 2.7% over the year to Q2 2026, against a group median of a 0.2% fall.
By assets it ranks 144 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $98.5 million | 6,892 | $79.3 million | 8.80% | 1.14% |
| Q1 2026 | $101 million | 6,926 | $80.2 million | 9.05% | 1.91% |
| Q4 2025 | $102 million | 6,854 | $81.8 million | 9.01% | 2.67% |
| Q3 2025 | $106 million | 6,880 | $83.5 million | 10.11% | 3.26% |
| Q2 2025 | $106 million | 6,751 | $81.5 million | 10.48% | 1.90% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 340,314 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Heritage USA Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Heritage USA Federal Credit Union (main office)
5507 W Wadley Ave, Midland, TX 79707 - Heritage USA Federal Credit Union
6718 N State Highway 349, Midland, TX 79705 - Heritage USA Federal Credit Union
1923 S County Road 1083, Midland, TX 79706
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology