UNITED HERITAGE
State-Chartered • Austin, Texas • Est. 1957
Quick Facts
- Charter Number
- #68251
- Type
- State-Chartered
- Established
- 1957
- Headquarters
- Austin, Texas 78720
- Address
- PO Box 202020
- Branches
- 12
- ATMs
- 11
- Members
- 82,873
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
82,873 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UNITED HERITAGE |
|---|---|
| Total Assets | $1.7B |
| Members | 82,873 |
| Loans Outstanding | $1.3B |
| Shares & Deposits | $1.3B |
| Net Worth | $166.3M |
| Net Worth Ratio | 10.01% |
| Loan-to-Share Ratio | 93.8% |
| Delinquency Rate | 0.93% |
| Net Income | +$17,281,303 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
12 locations · 11 ATMs
Mopac
12208 N Mopac Expy
Austin, TX 78758
South Austin
6400 Menchaca Rd
Austin, TX 78745
Southwest Austin
5011 W Slaughter Ln Bldg 1
Austin, TX 78749
Round Rock
301 Mays Xing
Round Rock, TX 78664-6787
Georgetown
12 Waters Edge Cir
Georgetown, TX 78626
Who Can Join UNITED HERITAGE?
Membership Type: Community
Membership eligibility for UNITED HERITAGE may vary. Contact the credit union directly to confirm qualification requirements.
Contact UNITED HERITAGE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Texas RankingsFrequently Asked Questions
Yes. UNITED HERITAGE 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, UNITED HERITAGE has 82,873 members and a potential membership field of 1,000,000 people.
UNITED HERITAGE's net worth ratio is 10.01% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.0%, UNITED HERITAGE meets this threshold.
UNITED HERITAGE operates 12 branch locations and has access to 11 ATMs. The main office is located at 12515 Research Blvd Bldg 5, Austin, TX 78759-2247.
UNITED HERITAGE was established in 1957. It is a state-chartered credit union chartered under charter number 68251. The institution has been serving members for 69 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or UNITED HERITAGE. All financial data is for informational purposes only.