UNITED HERITAGE Credit Union Profile

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UNITED HERITAGE

Charter #68251 | NCUA Region 2 | FISCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (512) 435-4545

Fax: (512) 435-4049

Founding Date: N/A

Website: http://www.uhcu.org

Personnel & Operations

President: Velasquez, Val

Manager: Ver Schuur, Michael

FT Employees: 228

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 14.41%

Membership Type: 99

Branches: 10

Hours: M-F 8a - 5p

Credit Union Profile Summary

UNITED HERITAGE is a FISCU Credit Union. With a total of 81,275 members ^[1], this institution manages approximately $1,624,369,943 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 9.79% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -2.45% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,624,369,943

Total economic resources.

Total Loans ^[1]

$1,241,507,070

Total value of outstanding loans.

Total Deposits ^[1]

$1,306,363,177

Total funds deposited by members.

Members ^[1]

81,275

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

9.79%

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]

0.54%

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

Loan-to-Share Ratio ^[1]

95.04%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 3.52%

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

Loan Growth (4Q) ^[1]

↓ -2.45%

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

Member Growth (4Q) ^[1]

↑ 2.27%

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

Headquarters Location & Map

Headquarters Address

12515 Research Blvd Bldg 5

Austin, TX, 78759-2247

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 11 branches reported by UNITED HERITAGE (Charter #68251).

Main Office

United Heritage Plaza Main Office

Type: Corporate Office

12515 Research Blvd Bldg 5

Austin, TX 78759-2247

Phone: (512) 435-4545

Services: ATM

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Additional Branches

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