Credit union · NCUA insured
Heart O' Texas Federal Credit Union
A $54.6M credit union headquartered in Waco, TX, with 4,434 members and 3 branches in Texas. Best rates: CDs 3.65% APY.
Heart O' Texas Federal Credit Union Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#8 of 19 in Waco, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Heart O' Texas Federal Credit Union
- Headquarters
- 7500 Imperial Drive, Waco, TX 76712
- NCUA charter
- 11032
Branches
3 branches in Texas
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Texas
3 branches
Waco area · 2
- Main OfficeMain office7500 Imperial Drive, Waco, TX 76712Directions
- L37412 Maehr Rd, Waco, TX 76705Directions
Killeen area · 1
- Killeen1612 S Fort Hood St, Killeen, TX 76542Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.43% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.86% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.04% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $80 | $59 | — |
- CapitalNet worth ratio7.43%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.86%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.04%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$80Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Heart O' Texas Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.