Credit Union Safety Analysis
Is Heart O TX Federal Credit Union Safe? Waco, Texas
Based on its Q2 2026 NCUA 5300 call report, Heart O TX Federal Credit Union has a net worth ratio of 7.43%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.86%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Heart O TX Federal Credit Union's net worth ratio is 7.43%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.43%
- Delinquency ratio (60+ days) (Q2 2026): 0.86%
- Return on assets (Q2 2026): 0.23%
- Loan-to-share ratio (Q2 2026): 80.24%
Heart O TX Federal Credit Union (NCUA charter 11032, established 1956) reported $54.6M in assets and 3,935 members for Q2 2026 from Waco, Texas. It ranks 183 of 377 credit unions in Texas by total assets. Total assets fell 2.3% from $55.9M on June 30, 2025. It has 1,748 fewer members than on June 30, 2025 (-30.8%). Its net worth ratio was up 0.39 percentage points from 7.04% on June 30, 2025. Used vehicle loans are its largest loan category, $17.1M of $40.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.86% matches the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 7.37% for Q1 2026; 7.04% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.32% for Q1 2026; 0.79% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.14% for Q1 2026; -0.27% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 82.58% for Q1 2026; 82.80% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $17.1M
- 1- to 4-family residential and other consumer real estate loans: $15.3M
- New vehicle loans: $6.5M
- Other secured non-real estate loans and lines of credit: $1.2M
- Other unsecured loans and lines of credit: $289K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $54.6M | 7.43% | 0.86% | 0.23% | 80.24% |
| March 31, 2026 | $54.6M | 7.37% | 0.32% | -0.14% | 82.58% |
| December 31, 2025 | $55.9M | 7.24% | 0.61% | 0.09% | 80.67% |
| September 30, 2025 | $55.4M | 7.14% | 0.71% | 0.16% | 82.17% |
| June 30, 2025 | $55.9M | 7.04% | 0.79% | -0.27% | 82.80% |
| March 31, 2025 | $56.3M | 7.03% | 0.40% | -0.43% | 83.91% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Heart O TX Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 11032) · FFIEC NIC profile (RSSD 628589)
Frequently asked questions
Is Heart O TX Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Heart O TX Federal Credit Union's net worth ratio is 7.43%, above the 7% NCUA threshold for well capitalized.
Is Heart O TX Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Heart O TX Federal Credit Union is a federally insured credit union (NCUA charter 11032): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Heart O TX Federal Credit Union's key safety ratios?
For Q2 2026, Heart O TX Federal Credit Union reports net worth 7.43%, delinquency 0.86%, ROA 0.23%, loan-to-share 80.24%.
What happens to my money if Heart O TX Federal Credit Union fails?
For Q2 2026, Heart O TX Federal Credit Union held $50.3M in shares and deposits for 3,935 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.