HERITAGE USA
Charter #6434 · Midland, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.05% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of -2.30% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 1.59% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.91% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.39% sits at the 89th percentile of structural peers — worth a closer look.
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 USA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $100.92M | 1th pct | 61th pct |
| Members | 6,926 | 11th pct | 46th pct |
| Net worth ratio | 9.05% | 15th pct | 10th pct |
| Return on average assets | -2.30% | 0th pct | 5th pct |
| Net interest margin | 4.48% | 89th pct | 62th pct |
| Cost of funds | 1.59% | 72th pct | 85th pct |
| Loan-to-share | 89.89% | 89th pct | 87th pct |
| Delinquency 60+ days | 1.91% | 94th pct | 93th pct |
| Net charge-off ratio | 1.39% | 95th pct | 89th pct |
| Loan growth YoY | -3.98% | 10th pct | 15th pct |
| Share growth YoY | -3.50% | 1th pct | 3th pct |
| Efficiency ratio | 75.91% | 40th pct | 25th pct |
structural peer set hash: 8ce578eb97970578da7df5f0312a2985… (reproducible)
Closest structural peers
This is the free public view
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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.