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Heart O' Texas
Waco, TX · NCUA Charter #11032 · Federal charter · Chartered 1956
Total assets
$54.64M
Shares & deposits
$50.33M
Total loans
$40.38M
Members
3,935
Net worth
$4.06M
Branches
3
Rank: #2,327 of 4,299 U.S. credit unions by assets · #185 of 380 in Texas. Assets changed -2.3% and membership -30.8% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 7.43% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.20% |
| Loans to shares & deposits | 80.2% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $57.52M | $48.35M | $0 | $4.68M |
| Jun 2023 | $65.42M | $60.35M | $0 | $4.66M |
| Jun 2024 | $62.36M | $57.90M | $0 | $4.13M |
| Jun 2025 | $55.91M | $51.53M | $0 | $3.94M |
| Jun 2026 | $54.64M | $50.33M | $0 | $4.06M |
Branch footprint
| State | Branches |
|---|---|
| Texas | 3 |
Similar-sized credit unions
Resource ($54.65M) · Van Cortlandt Cooperative ($54.62M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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