HEART O' TEXAS
Federal • Waco, Texas • Est. 1956
Quick Facts
- Charter Number
- #11032
- Type
- Federal
- Established
- 1956
- Headquarters
- Waco, Texas 76712
- Address
- 7500 Imperial Drive
- Branches
- 3
- ATMs
- 3
- Members
- 4,434
- Membership Type
- Multiple Common Bond
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 7% and a delinquency rate below 2%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
4,434 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HEART O' TEXAS |
|---|---|
| Total Assets | $54.6M |
| Members | 4,434 |
| Loans Outstanding | $41.5M |
| Shares & Deposits | $50.3M |
| Net Worth | $4.0M |
| Net Worth Ratio | 7.37% |
| Loan-to-Share Ratio | 82.6% |
| Delinquency Rate | 0.32% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
3 locations · 3 ATMs
Main Office
Main Office7500 Imperial Drive
Waco, TX 76712
L3
7412 Maehr Rd
Waco, TX 76705-1647
Killeen
1612 S Fort Hood St
Killeen, TX 76542-1672
Who Can Join HEART O' TEXAS?
Membership Type: Multiple Common Bond
HEART O' TEXAS serves multiple select groups, such as employees of specific companies or members of certain associations. Contact the credit union to find out if you qualify.
Contact HEART O' TEXAS directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Texas
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Texas RankingsFrequently Asked Questions
HEART O' TEXAS is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, HEART O' TEXAS has 4,434 members and a potential membership field of 289,594 people.
HEART O' TEXAS's reported net worth ratio is 7.37% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
HEART O' TEXAS operates 3 branch locations and has access to 3 ATMs. The main office is located at 7500 Imperial Drive, Waco, TX 76712.
HEART O' TEXAS was established in 1956. It is a federal credit union chartered under charter number 11032. The institution has been serving members for 70 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or HEART O' TEXAS. All financial data is for informational purposes only.