Credit union · NCUA insured
Heritage USA Federal Credit Union
Top CarrotA $100.9M credit union headquartered in Midland, TX, with 6,926 members and 2 branches in Texas. Best rates: CDs 4.15% and savings 0.13% APY.
Heritage USA Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#2 of 17 in Midland, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Heritage USA Federal Credit Union
- Headquarters
- 5507 W Wadley Ave, Midland, TX 79707
- NCUA charter
- 6434
Branches
2 branches in Texas
Loading map…
Texas
2 branches
- Heritage USA Federal Credit UnionMain office5507 W Wadley Ave, Midland, TX 79707Directions
- Heritage USA Federal Credit Union1923 S County Road 1083, Midland, TX 79706Directions
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 | 8.80% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.14% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.00% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $91 | $59 | — |
- CapitalNet worth ratio8.80%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.14%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.00%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$91Peers’ 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 Heritage USA 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.