Heritage Usa

Midland, TX · 1 · Charter #6434 · www.heritage-usa.net
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$101.9M
47th percentile
Members
6,854
44th percentile
Total loans
$81.8M
66th percentile
Total shares
$88.7M
48th percentile

Profitability

Return on assets
0.68%
27th percentile
Net interest margin
4.89%
94th percentile
Efficiency ratio
71.98%
21th percentile
Non-interest income ratio
23.82%
79th percentile

Capital & Risk

Net worth ratio
9.01%
11th percentile
Delinquency rate
2.67%
5th percentile
Net charge-off rate
2.53%
1th percentile
Loan-to-share
92.27%
90th percentile

Growth

Member growth YoY
0.91%
68th percentile
Asset growth YoY
-1.52%
13th percentile
Loan growth YoY
3.71%
63th percentile
Share growth YoY
4.32%
59th percentile

Operations

Members / branch
3,427
57th percentile
Assets / member
$14,866
54th percentile
Field of membership penetration
2.01%
28th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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