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Overview / Commentary

KBR Heritage Credit Union is headquartered in HOUSTON and is the 125th largest credit union in the state of Texas. It is also the 1,641st largest credit union in the nation. It was established in 1953 and as of March of 2014, it had grown to 11 employees and 5,264 members. KBR Heritage Credit Union has a A health rating.

Field of Membership Restrictions

Must be an employee of the KBR, KBR Technology Center or Halliburton in Houston, Texas. - See Details

Reviews (1)

I Love KBR Heritage

I love KBR Heritage. They truly are interested in helping me make the most of my money. In addition, in the last 10 years, I've received 4 loans that I couldn't get at my regular bank and at a great rate.

Ms. Trina is the best and seems to genuinely care about her customers, as do the entire team. Great job. I'll stay with this credit union forever.


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. KBR Heritage Credit Union has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 KBR Heritage Credit Union had $216,000 in non-current loans and owned real-estate with $10.56 million in equity and loan loss allowances on hand to cover it. This gives KBR Heritage Credit Union a Texas Ratio of 2.05% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for KBR Heritage Credit Union decreased slightly from 2.91% as of March 31, 2013 to 2.05% as of March 31, 2014, resulting in a positive change of 29.71%.This indicates that the balance sheet and financial strength for KBR Heritage Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, KBR Heritage Credit Union has increased its total deposits by $1.84 million, resulting in 2.4% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth KBR Heritage Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. KBR Heritage Credit Union has $88.8 million in assets with $10.56 million in equity, resulting in a capitalization level of 11.89%, which is excellent.

Institution Statistics

NCUA #8344
Year Chartered1953
Primary Regulator
Assets and Liabilities
Assets$88.80 million
Loans$23.28 million
Deposits$78.24 million
Equity Capital$10.34 million
Loan Loss Allowance$225,000
Unbacked Noncurrent Loans$216,000
Real Estate Owned$0
Historic Data - March 2013
Assets$86.75 million
Equity Capital$10.01 million
Loan Loss Allowance$228,000
Unbacked Noncurrent Loans$216,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.16%
Return on Assets0.35%
Return on Equity3.02%
Interest Income$381,000
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KBR Heritage Credit Union Savings Account Rates

0.15%$500-Regular Share Account
0.15%$501-IRA Share Account
0.15%$501-Roth IRA Share Account
0.15%$501-Educational IRA Share Account

KBR Heritage Credit Union IRA Rates

0.15%$2k-1 Year IRA Term Share Certificate

KBR Heritage Credit Union Locations
Branch Office601 JEFFERSON ST # KT-02HOUSTON, TX 77002