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
- 6,854
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
6,854 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HERITAGE USA |
|---|---|
| Total Assets | $101.9M |
| Members | 6,854 |
| Loans Outstanding | $81.8M |
| Shares & Deposits | $90.6M |
| Net Worth | $9.2M |
| Net Worth Ratio | 9.01% |
| Loan-to-Share Ratio | 90.3% |
| Delinquency Rate | 2.67% |
| Net Income | +$696,086 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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
Browse all federally insured credit unions in Texas, ranked by assets, members, and financial health score.
View Texas RankingsFrequently Asked Questions
Yes. HERITAGE USA 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, HERITAGE USA has 6,854 members and a potential membership field of 340,314 people.
HERITAGE USA's net worth ratio is 9.01% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.0%, HERITAGE USA meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HERITAGE USA. All financial data is for informational purposes only.