Heritage Usa
Heritage Usa is a credit union based in Midland, Texas, established in 1949, with $101 million in total assets serving 6,926 members. By Trust Grade it ranks 377th of 379 credit unions we track in Texas. Its net worth ratio of 9.1% trails most similarly sized credit unions (15th percentile), versus a Texas median of 13.5%. It posted a loss over the most recent period (-2.31% return on assets), a point to watch. No consumer complaints against Heritage Usa appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Heritage Usa compares to Texas peers
How we graded Heritage Usa
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.1% capital ratio)
- Unprofitable over the period (ROA -2.31%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Heritage Usa over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Heritage Usa insured?
Yes. Heritage Usa is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Heritage Usa: frequently asked questions
Is Heritage Usa a good credit union?
Heritage Usa earns a Bankzia Trust Grade of D (62/100, "Fair"), based on a financial-strength score of 62/100 (it has no CFPB complaints on record). Well-capitalized (9.1% capital ratio); Unprofitable over the period (ROA -2.31%).
Is Heritage Usa NCUA-insured?
Yes. Heritage Usa is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Heritage Usa?
Heritage Usa holds $101 million in total assets, ranking 377th of 379 credit unions we track in Texas. It serves 6,926 members.
Does Heritage Usa have CFPB complaints?
No CFPB complaints against Heritage Usa appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
