United Heritage Credit Union Austin, Texas
United Heritage Credit Union is a state-chartered credit union headquartered in Austin, TX, established in 1957 (NCUA charter 68251), and it is regulated and insured by the NCUA. At Q2 2026 it reported 84,014 members and total assets of $1.71B (up 5.2% from Q2 2025), the 20th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 9.87% at Q2 2026, in the well capitalized band.
Also written as United Heritage CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68251
- Headquarters
- Austin, TX
- Established
- 1957
- Total assets, Q2 2026
- $1.71B
- Assets vs Q2 2025
- +5.2%
- Members, Q2 2026
- 84,014
- Net worth ratio, Q2 2026
- 9.87%
- Latest call report
- Q2 2026, NCUA 5300 · United Heritage Credit Union call report
- Asset rank in state
- 20th of 377 in Texas
- Routing number
- 314977188
- Branches
- 12
It has 2,739 more members than on June 30, 2025 (+3.4%). Its net worth ratio was up 0.08 percentage points from 9.79% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $444.4M of $1.24B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.22% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.87% net worth ratio is below that band's 10.89% median.
Frequently asked about United Heritage Credit Union
How big is United Heritage Credit Union?
At Q2 2026 it reported total assets of $1.71B and 84,014 members.
Where is United Heritage Credit Union headquartered?
It is headquartered in Austin, TX, United States.
When was United Heritage Credit Union founded?
It was established in 1957, per NCUA records.
Is United Heritage Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68251): 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 United Heritage Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is United Heritage Credit Union well capitalized?
Its net worth ratio was 9.87% 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 United Heritage Credit Union's delinquency ratio?
Its delinquency ratio was 1.22% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is United Heritage Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 92.80% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Austin, TX 78759
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1957
- NCUA Charter #
- 68251
- RSSD ID
- 834885
- Members
- 84,014
- Potential members
- 1,000,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.87% | 10.89% | 26th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.35% | 0.89% | 13th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 3.50% | 8.07% | 15th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.11% | 3.45% | 29th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 81.41% | 70.59% | 13th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.37% | 1.68% | 75th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.22% | 0.68% | 19th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.48% | 5.12% | 14th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 92.80% | 88.03% | 67th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.71B total assets against $1.62B; $1.34B total shares and deposits against $1.31B; $1.24B total loans against $1.24B.
$168.7M net worth against $159.1M.
9.87% net worth ratio against 9.79%.
92.80% loan-to-share ratio against 95.04%.
1.22% delinquency ratio against 0.98%.
0.35% return on assets against 0.53%; 3.50% return on equity against 5.45%.
3.11% net interest margin against 3.11%.
84,014 members against 81,275.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.87% | 0.35% | 1.22% | 92.80% |
| March 31, 2026 | 10.06% | 0.68% | 1.12% | 92.77% |
| December 31, 2025 | 10.01% | 0.70% | 0.93% | 93.78% |
| September 30, 2025 | 9.92% | 1.14% | 0.98% | 96.25% |
| June 30, 2025 | 9.79% | 0.53% | 0.98% | 95.04% |
| March 31, 2025 | 9.70% | 0.55% | 0.92% | 94.13% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.