Credit union · NCUA insured
HEB Federal Credit Union
A $218.1M credit union headquartered in San Antonio, TX, with 12,144 members and 1 branch in Texas. Best rates: CDs 3.80% and savings 0.50% APY.
HEB Federal Credit Union Carrot Score
69
Carrot Score
Higher than 24% of U.S. banks and credit unions
#30 of 47 in San Antonio, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About HEB Federal Credit Union
- Headquarters
- 4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
- NCUA charter
- 15650
Branches
1 branch in Texas
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Texas
1 branch
- San Antonio Service CenterMain office4630 N Loop 1604 W Ste 101, San Antonio, TX 78249Directions
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 | 18.31% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.19% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.95% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $88 | $76 | — |
- CapitalNet worth ratio18.31%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.19%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.95%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$88Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 HEB 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.