HEART O' TEXAS Credit Union Profile

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HEART O' TEXAS

Charter #11032 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (254) 751-1622

Fax: (254) 751-1141

Founding Date: N/A

Website: http://www.hotfcu.org

Personnel & Operations

President: Hardy, Leon

Manager: Dysinger, Phil

FT Employees: 20

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 35

Branches: 3

Hours: Lobby Hours: Mon. - Thurs. 9:00 - 5:00 F

Credit Union Profile Summary

HEART O' TEXAS is a FCU Credit Union. With a total of 5,683 members [1], this institution manages approximately $55,914,179 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 7.04% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -16.69% [1].

Financial Snapshot

Total Assets [1]
$55,914,179

Total economic resources.

Total Loans [1]
$42,666,306

Total value of outstanding loans.

Total Deposits [1]
$51,528,112

Total funds deposited by members.

Members [1]
5,683

Number of active members.

Performance Ratios

Net Worth Ratio [1]
7.04%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-0.34%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
82.80%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -10.34%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -16.69%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -1.44%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

7500 Imperial Drive

Waco, TX, 76712
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by HEART O' TEXAS (Charter #11032).

Main Office

Main Office Main Office

Type: Corporate Office

7500 Imperial Drive

Waco, TX 76712

Phone: (254) 751-1622

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Killeen

Killeen

Type: Branch Office

1612 S Fort Hood St

Killeen, TX 76542-1672

Phone: (254) 634-7722

Services: Member Services, ATM, Drive-Thru

Open in Directions

Waco

L3

Type: Branch Office

7412 Maehr Rd

Waco, TX 76705-1647

Phone: (254) 799-5923

Services: Member Services, ATM, Drive-Thru

Open in Directions