# H E B
San Antonio, TX · NCUA charter 15650 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/h-e-b-15650

Who the members are: federal charter, multiple common bond, organized 1963. 12,144 members of 30,000 potential (40.5% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $218.1M |
| Members | 12,144 (-1.2% YoY) |
| Full-time staff | 32 |
| Net worth | $39.4M |
| Net worth ratio | 18.1% (p97 of band) |
| ROA (annualized) | 0.93% (p67 of band) |
| Total delinquency | 0.14% (p8 of band) |
| Net charge-offs (annualized) | 0.11% (p15 of band) |
| Loans / shares | 88% (p83 of band) |
| Cash / assets | 16.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.89% (p73 of band) |
| Operating expense / assets | 3.95% (p61 of band) |
| Vehicles % of loans | 20% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.24% (p20 of band) |
| Vehicle NCO | 0.15% (p16 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 70% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 22% |
| Average share balance | $7,408 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $38,045 |
| Loans granted, annualized | $39.6M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | net worth falling, delinquency rising, members leaving |  |
| 2017-06 | 1 |  | net worth falling, members leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, members leaving |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | margin squeeze | members leaving |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 | members leaving | margin squeeze |
| 2021-12 | 1 | delinquency rising | members leaving |
| 2022-03 | 1 | members leaving | delinquency rising |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 1 |  | members leaving |
| 2024-12 | 0 |  | assets shrinking |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 0 |  | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-14 [Retail, restaurants, renovations: 16 Southwest Austin business updates - Community Impact](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPc1V2b3ppMU9nV0pLT1ladFpMdFd3ckN5Yk9kdkhNaGhIQ1lDS05GQ2ZzNm9pZWpyWkNFbUlxamVCNjlXbGxiaXJ1bWFxeUNRUUtoU0VxUmgxdW1tMC1fdzlTbUdaVExHYzd2bFkzSHluVVJSczRjVDgyRWswcVRlbkRDSlQ1YVphVXotaGhmaVJXYU1RWmxWTHVRZ0xlcWdSOVZSNGh3VVctNUVpMWJVRDZ4NzBOZVhzdkJPSEh5RlFDNi1FX3B1S1V4MW5HN3U4Y1p3QVFB?oc=5) · Community Impact
- 2026-01-15 [Details announced for WBCA's annual H-E-B Fireworks Extravaganza - lmtonline.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPYzZ6QmRyR09TVFRrZnVVRzhiQ25EeTQ5TDZWYVNGVEZnSzFFcm4wZmJmeU5DLVdYYTJJNGxVOEZOaU1ucFRtMXhNanFUc09IVHRsODVuS1RiZ3d0TTdwQVJYTGRWWVpxSTk1X3hISTB2Y1BDYVBMSDZ6eVJzWnBiQi1USzA3dzlCZV9kUnd5dzl0dGtSUTJrUFN3?oc=5) · lmtonline.com
- 2026-07-28 [Orange Public Library Concludes Summer Reading Program with Annual Carnival - Orange Leader](https://news.google.com/rss/articles/CBMisgFBVV95cUxQaWNZWGlveDdrRE5pZmUxM0VOZ0o2X09xVXVKLWhWMDhJbWw0THpjSEdGeGdKcV9OZU83dFR2YVREc2Zpbm1kWjZldW90M0RBVGZzM0o5Q1MtenhfM0ZsTERFcHZLY0NTOFk4SWpxRjJTMVFianB1Tm93aXltZGZaSFM3OWlMREhXQ3dEdVFUOEJqcV85REVGU0FodmFMVGFlMS1lc0hUTVhoZXlUUGZLa29n?oc=5) · Orange Leader
- 2024-09-10 [H-E-B debuts a branded Visa credit card - Supermarket News](https://news.google.com/rss/articles/CBMiigFBVV95cUxQYkhnNTduVC05V2dsenhIN1hTUllpTVd1N0pOaDZpM1YwYl9qejBfM2JXeDVOS2lBMDN3eUxoTGQxbXBJMlZRbVBGZ1pVQVUxb0JkV1o2aHFiUmw0bGVseFo0anR2dUQ2Qmg2dDNWV1JmSEo4d0RnM0oxVUpqNFo5Sl80UHlhZDNTRmc?oc=5) · Supermarket News
- 2025-12-04 [Texas Trust CU Grants $10,000 to Mansfield ISD Education Foundation - Focus Daily News](https://news.google.com/rss/articles/CBMingFBVV95cUxPdmkxc0N3bzF2Vzk1TzBscXNKTG1Qd09nNG9iZTVtMWZDVmc5X3ZEeFc4cWljemJXNmF1eklEdHhHd3lfRjE5Q0xfZE9udko1NVJoTU5qbkpVRmVTM3A4SFFQS1l1bmNmb2tNTDVYQzVuN0FlRHJ5U0J2TFNHV09OaC1tUzBTQzlJN01nMWNJZFFRM2ZoZ1VtOWJmTmNUQQ?oc=5) · Focus Daily News
- 2025-04-22 [EECU opens branch in H-E-B retail location - ATM Marketplace](https://news.google.com/rss/articles/CBMihgFBVV95cUxPQTR5Z0VyT29xSHJZSDFhVDBscEt3MUpITXVaV1JqYUlnYk02MFBSSWFsejVPdl9RZDhyZVhZNEFMWXB6WU94Ny1MQlRLS2VadFFUanI3WHlBQWRZbVNwRTFrcDdseFJuXzE3WkI5dUZxVE5MTGM4ckRkZE1BQ2N3TXhlc1VGQQ?oc=5) · ATM Marketplace
- 2018-11-07 [He Started by Passing Out Flyers Outside of H.E.B. Today, He is the President and CEO of a Financial Institution - Texas Border Business](https://news.google.com/rss/articles/CBMisAFBVV95cUxNaDlxNUhidHFkbEdIOHFFOV9aZ1hKRDBlLVRnUkUzNWo5NUFxek1vS3RUalEtc0J0aTgzQnBQQ0lDNTdKR0tfQURDZjQyWDlOSjhwWDZkZXd1MUtyaUo1VWtVNEVPaW85Rnc1ZVE4Z2FBMlBPa3Vndkx4OGVoLUpLVGJIcnRlcjd1QUFYc1FscG5sX2h4RDViZm5ObjhXcDhueEJSTXlOenV5SExYc3VMNQ?oc=5) · Texas Border Business
- 2025-06-27 [City of Temple to Host 27th Annual H-E-B 4th of July Fun Fest & Fireworks Show - City of Temple Newsroom](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNdmFvU3FkUHJzd1kyTm9MZy1PRUp4b3pmV181M2xxUFZBY3NWWW9BMUV1TmF1WXJvNkRXZTRUeE9PeTg5RDhVdDhRc2hTeGJGdElTZGtNZ0xmbDBFMEJhYjlXRXZwRkVKX3U5Sk1JWnhNY0VYX3o1NHZDV05MendqYzFYa0Z3ZUFOS1oyaXlYSWNycjVVaEFodXRncl96R0cwMTNQZ1Q5WUVISE93OWxLbHlWV1RGWG9j?oc=5) · City of Temple Newsroom

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15650 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/34.json (key "15650", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=15650
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide