Heritage Usa Federal Credit Union

Overview / Commentary
5507 W Wadley Ave
Midland, TX 79707

Heritage Usa Federal Credit Union is headquartered in Midland and is the 174th largest credit union in the state of Texas. It is also the 2,240th largest credit union in the nation. It was established in 1949 and as of December of 2019, it had grown to 17 employees and 5,855 members at 2 locations. Heritage Usa Federal Credit Union has a B health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Midland or Ector County.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Heritage Usa Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #6434
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD1.42%
Return on Equity - YTD14.69%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$54.9MM$55.1MM
LoansQ4 2019vs Q4 2018$44.7MM$41.9MM
DepositsQ4 2019vs Q4 2018$49.2MM$50.2MM
Equity CapitalQ4 2019vs Q4 2018$5.3MM$4.5MM
Loan Loss AllowanceQ4 2019vs Q4 2018$422.00K$241.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$357.00K$333.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heritage Usa Federal Credit Union Savings Account Rates

0.30%*$25k*-IRA Accumulative & Rollover
OTHER TIERS: 0.25% $5 - $25k
0.05%$5-Share Savings Account

Heritage Usa Federal Credit Union Money Market Rates

0.13%*$25k*-Money Market Account
OTHER TIERS: 0.08% $2k - $25k

Heritage Usa Federal Credit Union CD Rates

0.30%$500$100k24 Month CD
0.25%$500$100k12 Month CD
0.20%$500$100k6 Month CD

Heritage Usa Federal Credit Union Locations
Branch Office2001 N Big Spring StMidland, TX 79705-8820
Branch Office5507 W Wadley AveMidland, TX 79707

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