Heritage Usa Federal Credit Union

Overview / Commentary

800-723-2477

5507 W Wadley Ave
Midland, TX 79707

Heritage Usa Federal Credit Union is headquartered in Midland and is the 175^th largest credit union in the state of Texas. It is also the 2,245^th largest credit union in the nation. It was established in 1949 and as of September of 2019, it had grown to 17 employees and 5,838 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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Health

B+

Data as of Q3 2019

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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

Overall
NCUA #	6434
Year Chartered	1949
Employees	17
Primary Regulator

Profit Margin
Return on Assets - YTD	1.48%
Return on Equity - YTD	15.94%
Annual Interest Income	$2.1MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$54.9MM$53.8MM
Loans	Q3 2019vs Q3 2018	$44.5MM$39.5MM
Deposits	Q3 2019vs Q3 2018	$49.2MM$48.9MM
Equity Capital	Q3 2019vs Q3 2018	$5.1MM$4.2MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$366.00K$233.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$210.00K$337.00K
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

Rates

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Savings
Money Market
CD

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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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.13%^*	$25k^*	-	Money Market Account
OTHER TIERS: 0.08% → $2k - $25k

Heritage Usa Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$500	$100k	24 Month CD
0.25%	$500	$100k	12 Month CD
0.20%	$500	$100k	6 Month CD

Locations

Heritage Usa Federal Credit Union Locations
Branch Office	2001 N Big Spring St	Midland, TX 79705-8820
Branch Office	5507 W Wadley Ave	Midland, TX 79707

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