HERITAGE USA Credit Union Profile

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HERITAGE USA

Charter #6434 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (432) 681-1050

Fax: (432) 681-1057

Founding Date: N/A

Website: http://www.heritage-usa.net

Personnel & Operations

President: Parks, Dirk

Manager: Rodriguez, Augustine

FT Employees: 31

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 3

Hours: 8:30-5:30 Days Open: M-S (5 1/2 days)

Credit Union Profile Summary

HERITAGE USA is a FCU Credit Union. With a total of 6,751 members [1], this institution manages approximately $105,929,624 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.48% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 7.23% [1].

Financial Snapshot

Total Assets [1]
$105,929,624

Total economic resources.

Total Loans [1]
$81,498,495

Total value of outstanding loans.

Total Deposits [1]
$91,944,044

Total funds deposited by members.

Members [1]
6,751

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.48%

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]
0.26%

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

Loan-to-Share Ratio [1]
88.64%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 10.51%

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

Loan Growth (4Q) [1]
↑ 7.23%

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

Member Growth (4Q) [1]
↑ 5.01%

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

Headquarters Location & Map

Headquarters Address

5507 W Wadley Ave

Midland, TX, 79707
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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 2 branches reported by HERITAGE USA (Charter #6434).

Main Office

Heritage USA Federal Credit Union Main Office

Type: Corporate Office

5507 W Wadley Ave

Midland, TX 79707

Phone: (432) 681-1050

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Midland

Heritage USA Federal Credit Union

Type: Branch Office

2001 N Big Spring St

Midland, TX 79705-8820

Phone: (432) 687-7072

Services: Member Services, ATM, Drive-Thru

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