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National Credit Union Service Organization

UNITED HERITAGE CREDIT UNION

Dec, 31, 2023 — UNITED HERITAGE CREDIT UNION is a federally insured state chartered credit union headquartered in AUSTIN, TX with 10 branch locations and about $1.53 billion in total assets. Opened 67 years ago in 1957, UNITED HERITAGE CREDIT UNION has about 77,791 members and employs 238 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 314977188
Name:UNITED HERITAGE CREDIT UNION
Address:
(Main Office)
12515 Research Blvd Bldg 5
AUSTIN, TX 78759-2247
Phone:(512) 435-4545
Fax:
Website:https://www.uhcu.org
Branches:10 branch locations
Members:77,791
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:68251
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1957
Last Audited:Dec 01, 2022
FHLB Member:Yes
Low Income Designation:No
Assets:$1,534,786,974
CEO/Manager:Michael Ver Schuur
Chairperson:Val Velasquez

Call Report

  • First Time Homebuyer Program

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 100,440,615
TOTAL INVESTMENTS 0
Loans Held for Sale 707,400
 
 Real Estate Loans 636,102,487
 Unsecured Loans 24,649,110
 Other Loans 642,013,519
 TOTAL LOANS 1,303,388,506
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -3,119,095
 Land And Building 65,180,409
 Other Fixed Assets 6,030,842
 NCUSIF Deposit 11,584,550
 All Other Assets 577,627
  TOTAL ASSETS 1,534,786,974
LIABILITIES & CAPITAL:  
 Dividends Payable 42,988
 Notes & Interest Payable 99,000,000
 Accounts Payable & Other Liabilities 13,884,228
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 112,608,518
 Regular shares 743,817,013
 All Other Shares & Deposits 427,595,948
  TOTAL SHARES & DEPOSITS 1,284,021,478
  TOTAL LIABILITIES 1,396,948,694
 Regular Reserve 0
 Other Reserves -8,666,481
 Undivided Earnings 146,504,761
  TOTAL EQUITY 137,838,280
  TOTAL LIABILITIES, SHARES, & EQUITY 1,534,786,974
INCOME & EXPENSE  
 Loan Income 57,531,783
 Investment Income 5,889,073
 Other Income 13,763,694
 Total Employee Compensation & Benefits 26,944,627
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 22,341,952
 Non-operating Income & (Expense) 36,000
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 1,739,522
 Cost of Funds 20,233,414
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 8,441,194
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