HERITAGE USA
Federal • Midland, Texas • Est. 1949
Quick Facts
- Charter Number
- #6434
- Type
- Federal
- Established
- 1949
- Headquarters
- Midland, Texas 79707
- Address
- 5507 W Wadley Ave
- Branches
- 2
- ATMs
- 2
- Members
- 6,926
- Membership Type
- Other/Unknown
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
6,926 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HERITAGE USA |
|---|---|
| Total Assets | $100.9M |
| Members | 6,926 |
| Loans Outstanding | $80.2M |
| Shares & Deposits | $89.2M |
| Net Worth | $9.1M |
| Net Worth Ratio | 9.05% |
| Loan-to-Share Ratio | 89.9% |
| Delinquency Rate | 1.91% |
| Net Income | $-40,953 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
2 locations · 2 ATMs
Heritage USA Federal Credit Union
Main Office5507 W Wadley Ave
Midland, TX 79707
Heritage USA Federal Credit Union
1923 S County Road 1083
Midland, TX 79706
Who Can Join HERITAGE USA?
Membership Type: Other/Unknown
Membership eligibility for HERITAGE USA may vary. Contact the credit union directly to confirm qualification requirements.
Contact HERITAGE USA 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
HERITAGE USA 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, HERITAGE USA has 6,926 members and a potential membership field of 340,314 people.
HERITAGE USA's reported net worth ratio is 9.05% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
HERITAGE USA operates 2 branch locations and has access to 2 ATMs. The main office is located at 5507 W Wadley Ave, Midland, TX 79707.
HERITAGE USA was established in 1949. It is a federal credit union chartered under charter number 6434. The institution has been serving members for 77 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or HERITAGE USA. All financial data is for informational purposes only.