E
Heart O TX Federal Credit Union
WacoTX
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Heart O TX Federal Credit Union
Waco, TX
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Rating E
Asset Quality Index 5.40
Capitalization Index 4.70
Liquidity Index 2.40
Profitability Index 1.00
Stability Index 1.30
Company Info Heart O TX Federal Credit Union
Waco, TX
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NCUA Charter Number 2207
Phone Number (254) 751-1622
Website www.hotfcu.org
Asset Quality Heart O TX Federal Credit Union
Waco, TX
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1-Year Asset Growth -10.34%
5-Year Asset Growth 6.11%
5-Year Charge-Offs to Average Loans 0.36%
Charge-Offs to Average Loans 0.65%
Non-Performing Assets to Assets 1.13%
Non-Performing Loans to Capital 15.06%
Non-Performing Loans to Loans 0.79%
Balance Sheet Heart O TX Federal Credit Union
Waco, TX
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Total Assets 55.91M
Total Deposits 51.53M
Capital and Reserves Heart O TX Federal Credit Union
Waco, TX
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Capital 3.92M
Leverage Ratio 7.04
Loan Loss Reserves to Loans 0.60%
Liquidity Heart O TX Federal Credit Union
Waco, TX
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Hot Money Ratio 12.97%
Liquidity Ratio 9.08%
Profitability Heart O TX Federal Credit Union
Waco, TX
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5-Year Return on Average Assets -0.12%
Net Income -98.00K
Net Interest Spread 4.18%
Operating Profit to Average Assets 0.18%
Overhead Efficiency Ratio 96.27%
Return on Assets -0.35%
Return on Equity -5.02%