United Heritage
United Heritage is a credit union based in Austin, Texas, established in 1957, with $1.7 billion in total assets serving 83,638 members. By Trust Grade it ranks 253rd of 379 credit unions we track in Texas. Its net worth ratio of 10.1% trails most similarly sized credit unions (33th percentile), versus a Texas median of 13.5%. It was profitable over the most recent period, with a 0.68% return on assets. No consumer complaints against United Heritage appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How United Heritage compares to Texas peers
How we graded United Heritage
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.1% capital ratio)
- Profitable (ROA 0.68%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for United Heritage over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at United Heritage insured?
Yes. United Heritage 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.
United Heritage: frequently asked questions
Is United Heritage a good credit union?
United Heritage earns a Bankzia Trust Grade of B (88/100, "Strong"), based on a financial-strength score of 88/100 (it has no CFPB complaints on record). Well-capitalized (10.1% capital ratio); Profitable (ROA 0.68%).
Is United Heritage NCUA-insured?
Yes. United Heritage 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 United Heritage?
United Heritage holds $1.7 billion in total assets, ranking 253rd of 379 credit unions we track in Texas. It serves 83,638 members.
Does United Heritage have CFPB complaints?
No CFPB complaints against United Heritage 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.
