Charter 68251 · Austin, TX
United Heritage Credit Union
United Heritage Credit Union is a state-chartered credit union in Austin, Texas, with $1.71 billion in assets and 84,014 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.87%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.71 billion
- +5.2% in a year
- Members
- 84,014
- +3.4% in a year
- Net worth ratio
- 9.87%
- Peer median 10.79%
- Loans 60+ days late
- 1.22%
- Peer median 0.67%
- Loans outstanding
- $1.24 billion
- +0.1% in a year
- Shares and deposits
- $1.34 billion
- +2.5% in a year
- Branches
- 11
- 230 employees
- Opened
- 1957
- Texas charter
How United Heritage Credit Union compares
NCUA groups credit unions by size; United Heritage Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.87% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.22%, is higher than the group median of 0.67%. Loans grew 0.1% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 20 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 | $1.71 billion | 84,014 | $1.24 billion | 9.87% | 1.22% |
| Q1 2026 | $1.68 billion | 83,638 | $1.25 billion | 10.06% | 1.12% |
| Q4 2025 | $1.66 billion | 82,873 | $1.25 billion | 10.01% | 0.93% |
| Q3 2025 | $1.65 billion | 82,181 | $1.25 billion | 9.92% | 0.98% |
| Q2 2025 | $1.62 billion | 81,275 | $1.24 billion | 9.79% | 0.98% |
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 1.0 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 12 sites for United Heritage Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- South Austin
6400 Menchaca Rd, Austin, TX 78745 - Southwest Austin
5011 W Slaughter Ln Bldg 1, Austin, TX 78749 - Round Rock
301 Mays Xing, Round Rock, TX 78664 - Georgetown
12 Waters Edge Cir, Georgetown, TX 78626 - Cedar Park
1801 E Whitestone Blvd, Cedar Park, TX 78613 - Lakeway
3317 Ranch Road 620 S, Austin, TX 78738 - Central Tyler
522 S Broadway Ave, Tyler, TX 75702 - Kyle
5029 Kyle Center Dr, Kyle, TX 78640 - River Place
10815 Ranch Road 2222, Austin, TX 78730 - United Heritage Plaza (main office)
12515 Research Blvd Bldg 5, Austin, TX 78759 - Southwest Tyler
7586 Old Jacksonville Hwy, Tyler, TX 75703 - North Austin
8715 W Parmer Ln, Austin, TX 78729
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