H.E.B. Federal Credit Union San Antonio, Texas
H.E.B. Federal Credit Union is a federal credit union headquartered in San Antonio, TX, established in 1963 (NCUA charter 15650), and it is regulated and insured by the NCUA. At Q2 2026 it reported 12,171 members and total assets of $218.2M (up 4.2% from Q2 2025), the 99th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 18.31% at Q2 2026, in the well capitalized band.
Also written as HEB FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 15650
- Headquarters
- San Antonio, TX
- Established
- 1963
- Total assets, Q2 2026
- $218.2M
- Assets vs Q2 2025
- +4.2%
- Members, Q2 2026
- 12,171
- Net worth ratio, Q2 2026
- 18.31%
- Latest call report
- Q2 2026, NCUA 5300 · H.E.B. Federal Credit Union call report
- Asset rank in state
- 99th of 377 in Texas
- Routing number
- 314078469
- Branches
- 1
It has 74 fewer members than on June 30, 2025 (-0.6%). Its net worth ratio was up 0.39 percentage points from 17.92% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $106.3M of $152.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.19% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 18.31% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Texas
Frequently asked about H.E.B. Federal Credit Union
How big is H.E.B. Federal Credit Union?
At Q2 2026 it reported total assets of $218.2M and 12,171 members.
Where is H.E.B. Federal Credit Union headquartered?
It is headquartered in San Antonio, TX, United States.
When was H.E.B. Federal Credit Union founded?
It was established in 1963, per NCUA records.
Is H.E.B. Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 15650): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates H.E.B. Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is H.E.B. Federal Credit Union well capitalized?
Its net worth ratio was 18.31% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is H.E.B. Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.19% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is H.E.B. Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 88.11% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Antonio, TX 78213
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1963
- NCUA Charter #
- 15650
- RSSD ID
- 347880
- Members
- 12,171
- Potential members
- 30,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 18.31% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.96% | 0.81% | 59th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 5.25% | 7.02% | 36th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.06% | 3.70% | 73rd above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 78.81% | 76.55% | 42nd below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.11% | 1.24% | 60th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.19% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.17% | 4.92% | 64th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 88.11% | 75.66% | 79th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$218.2M total assets against $209.4M; $172.6M total shares and deposits against $166.4M; $152.1M total loans against $147.3M.
$40.0M net worth against $37.5M.
18.31% net worth ratio against 17.92%.
88.11% loan-to-share ratio against 88.52%.
0.19% delinquency ratio against 0.07%.
0.96% return on assets against 0.79%; 5.25% return on equity against 4.40%.
4.06% net interest margin against 4.06%.
12,171 members against 12,245.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.31% | 0.96% | 0.19% | 88.11% |
| March 31, 2026 | 18.08% | 0.93% | 0.14% | 87.71% |
| December 31, 2025 | 18.13% | 1.65% | 0.24% | 90.41% |
| September 30, 2025 | 18.13% | 1.01% | 0.18% | 92.35% |
| June 30, 2025 | 17.92% | 0.79% | 0.07% | 88.52% |
| March 31, 2025 | 17.55% | 0.76% | 0.12% | 83.00% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.