HEART O' TEXAS
Federal • Waco, Texas • Est. 1956
Quick Facts
- Charter Number
- #11032
- Type
- Federal
- Established
- 1956
- Headquarters
- Waco, Texas 76703-0011
- Address
- P. O. Box 11
- Branches
- 3
- ATMs
- 3
- Members
- 5,632
- Membership Type
- Multiple Common Bond
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
5,632 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HEART O' TEXAS |
|---|---|
| Total Assets | $55.9M |
| Members | 5,632 |
| Loans Outstanding | $41.6M |
| Shares & Deposits | $51.6M |
| Net Worth | $4.0M |
| Net Worth Ratio | 7.24% |
| Loan-to-Share Ratio | 80.7% |
| Delinquency Rate | 0.61% |
| Net Income | +$199,408 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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
Browse all federally insured credit unions in Texas, ranked by assets, members, and financial health score.
View Texas RankingsFrequently Asked Questions
Yes. HEART O' TEXAS is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, HEART O' TEXAS has 5,632 members and a potential membership field of 289,594 people.
HEART O' TEXAS's net worth ratio is 7.24% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 7.2%, HEART O' TEXAS meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HEART O' TEXAS. All financial data is for informational purposes only.