credit union

Heart O' Texas

Waco, TX · Est. 1956
C
Trust Grade
Average
Score: 72/100

Heart O' Texas is a credit union based in Waco, Texas, established in 1956, with $55 million in total assets serving 4,434 members. By Trust Grade it ranks 368th of 379 credit unions we track in Texas. Its net worth ratio of 7.4% trails most similarly sized credit unions (3th percentile), versus a Texas median of 13.5%. It posted a loss over the most recent period (-0.14% return on assets), a point to watch. No consumer complaints against Heart O' Texas appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$54.6M
<$100M institution
Members
4,434
Shares & deposits
—
Net worth ratio
7.4%
Bottom 3% of <$100M peers · Texas median 13.5%
Return on assets
-0.1%
Bottom 18% of <$100M peers · Texas median 0.58%
Rank in Texas
#368
of 379 credit unions

How Heart O' Texas compares to Texas peers

Net worth ratio
Bottom 3% of <$100M peers
Heart O'
7.4%
Texas median
13.5%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 18% of <$100M peers
Heart O'
-0.1%
Texas median
0.6%
Higher ROA = more profitable relative to asset base

How we graded Heart O' Texas

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
72/100
Customer experience
n/a
Overall
C · 72
  • Well-capitalized (7.4% capital ratio)
  • Unprofitable over the period (ROA -0.14%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Heart O' Texas over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Heart O' Texas insured?

Yes. Heart O' Texas 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.

Heart O' Texas: frequently asked questions

Is Heart O' Texas a good credit union?

Heart O' Texas earns a Bankzia Trust Grade of C (72/100, "Average"), based on a financial-strength score of 72/100 (it has no CFPB complaints on record). Well-capitalized (7.4% capital ratio); Unprofitable over the period (ROA -0.14%).

Is Heart O' Texas NCUA-insured?

Yes. Heart O' Texas 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 Heart O' Texas?

Heart O' Texas holds $55 million in total assets, ranking 368th of 379 credit unions we track in Texas. It serves 4,434 members.

Does Heart O' Texas have CFPB complaints?

No CFPB complaints against Heart O' Texas appear in our data over the analysis window, which is typical for a credit union of this size.

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Caprock Santa Fe
credit union · Slaton, TX · $52M assets

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.

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