HERITAGE HUB
Charter #24972 · Houston, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 89 sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of -150.92% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 0.38% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 3.44% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HERITAGE HUB | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 71,690 | 1th pct | 5th pct |
| Members | 89 | 3th pct | 15th pct |
| Net worth ratio | 11.98% | 22th pct | 31th pct |
| Return on average assets | -150.92% | 0th pct | 0th pct |
| Net interest margin | 0.38% | 1th pct | 5th pct |
| Cost of funds | 3.44% | 98th pct | 97th pct |
| Loan-to-share | 21.24% | 12th pct | 54th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 12th pct |
| Loan growth YoY | — | — | — |
| Share growth YoY | 18686.58% | 100th pct | 98th pct |
| Efficiency ratio | 6098.65% | 100th pct | 98th pct |
structural peer set hash: f1718d06900bcd9ca40a3a86f7a9aa15… (reproducible)
Closest structural peers
This is the free public view
Claim HERITAGE HUB
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.