UNITED HERITAGE
Charter #68251 · Austin, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- On Members, the asset-size band puts this credit union at the 30th percentile but its structural peers at the 54th — a 24-point gap showing why the peer definition matters.
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 | UNITED HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.68B | 37th pct | 61th pct |
| Members | 83,638 | 30th pct | 54th pct |
| Net worth ratio | 10.06% | 34th pct | 51th pct |
| Return on average assets | 0.69% | 47th pct | 57th pct |
| Net interest margin | 3.07% | 33th pct | 30th pct |
| Cost of funds | 1.41% | 33th pct | 26th pct |
| Loan-to-share | 92.77% | 72th pct | 57th pct |
| Delinquency 60+ days | 1.12% | 83th pct | 72th pct |
| Net charge-off ratio | 0.41% | 35th pct | 38th pct |
| Loan growth YoY | -0.59% | 19th pct | 20th pct |
| Share growth YoY | 3.15% | 33th pct | 46th pct |
| Efficiency ratio | 77.45% | 69th pct | 62th pct |
structural peer set hash: b7c62af5eea566ff6a3dc4dfd49e4e02… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED HERITAGE
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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.