HEART O' TEXAS
Waco, TX · Federal Credit Union · Chartered in TX
Who can join
Multiple select employee groups
Members
4,434
Net Worth Ratio
7.37%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$54.6M
Peer Group 4
Members
4,434
as of latest quarter
Net Worth Ratio
7.37%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$54.6M
Total Shares
$50.3M
Total Loans
$41.5M
Net Worth Ratio
7.37%
≥7% = Well Capitalized
Members
4,434
Delinquency Rate (60d+)
0.23%
$94K
Loan-to-share ratio: 82.6%· healthy range 60–80%
Branch Locations
NCUAMain Office
7500 Imperial Drive, Waco, TX, 76712
Lobby Hours: Mon. - Thurs. 9:00 - 5:00 Friday 9:00 - 5:30 Drive-Thru Hours: M - F 8:00 - 5:30 Saturday: Drive-Thru Hours 9:00 - 12:00
L3
7412 Maehr Rd, Waco, TX, 76705-1647
Limited Access - L3 Employees Only Every Other Thursday 9am - 5-pm, Opposite Friday 9am - 5pm
Killeen
1612 S Fort Hood St, Killeen, TX, 76542-1672
Mon - Thurs: Lobby Hours 9:00 - 5:00 Drive-Thru Hours 8:00 - 5:30 Friday: Lobby Hours 9:00 - 5:30 Drive-Thru Hours 8:00 - 5:30 Saturday: Drive-Thru Hours 9:00 - 12:00
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/heart-o-texas" target="_blank" rel="noopener">View HEART O' TEXAS on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.