Heritage Hub

Houston, TX · 1 · Charter #24972 · www.heritagehubfederal.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$164.2K
1th percentile
Members
79
1th percentile
Total loans
$10.0K
1th percentile
Total shares
$57.0K
0th percentile

Profitability

Return on assets
0.12%
20th percentile
Net interest margin
0.10%
0th percentile
Efficiency ratio
0.00%
100th percentile
Non-interest income ratio
12.78%
62th percentile

Capital & Risk

Net worth ratio
49.54%
99th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
17.55%
4th percentile

Growth

Member growth YoY
no peer data
Asset growth YoY
no peer data
Loan growth YoY
no peer data
Share growth YoY
no peer data

Operations

Members / branch
79
2th percentile
Assets / member
$2,079
4th percentile
Field of membership penetration
1.58%
9th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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