Heart O' Texas

Waco, TX · 1 · Charter #11032 · www.hotfcu.org
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
$55.9M
7th percentile
Members
5,632
30th percentile
Total loans
$41.6M
30th percentile
Total shares
$49.1M
9th percentile

Profitability

Return on assets
0.36%
11th percentile
Net interest margin
3.87%
62th percentile
Efficiency ratio
76.07%
13th percentile
Non-interest income ratio
16.97%
48th percentile

Capital & Risk

Net worth ratio
7.24%
1th percentile
Delinquency rate
0.61%
56th percentile
Net charge-off rate
0.62%
23th percentile
Loan-to-share
84.67%
79th percentile

Growth

Member growth YoY
-2.02%
33th percentile
Asset growth YoY
-3.91%
4th percentile
Loan growth YoY
-9.65%
6th percentile
Share growth YoY
0.25%
25th percentile

Operations

Members / branch
1,877
18th percentile
Assets / member
$9,928
13th percentile
Field of membership penetration
1.94%
27th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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