Annual Report201 6
2016 Annual Report
Mission
To provide quality, personalized service while maintaining a strong financial position.United Heritage believes in the Credit Union philosophy of “People Helping People.”
Vision
To be the primary financial institution of choice.
Austin Music History
Austin City Limits
Austin City Limits started as a small but promising PBS music program in October
1974. Television-shy Willie Nelson, who had not yet reached his current level of
fame, kicked off the pilot episode. Now in its 43rd season, Austin City Limits is the
longest-running music series in American television history, hosting everyone from
B.B. King to Radiohead.1
#1
“United Heritage Credit Union has shown me time and
time again that they’re invested in my future success. It’s
refreshing to work with a financial institution that I know has
my best interest at heart.”
Cory Morrow, Member since 2013
4
Board of Directors
May D. Lofgreen, CCD Chairman Term: 2016-2019
Harold Keyes, CCD Vice Chairman Term: 2015-2018
James E. North, CCD Secretary / Treasurer Term: 2016-2019
John T. Keller, CCD Director Term: 2014-2017
H. Ralph Wilburn, CCD Director Term: 2014-2017
Grady Elliott, CCD Director Term: 2015-2018
Tommy W. Lueders Director Term: 2016-2019
Russ Miller Associate Director
Robert W. Spurck, Jr. Associate Director
Val Velasquez Associate Director
Senior Management
Buddy Schroeder President / CEO
Michael Ver Schuur Executive Vice President / CSO
Sebrina Crawford Senior Vice President Operations / COO
Karen Wilkerson Senior Vice President Risk Management / CRO, ISO
Nanette Courtney Vice President Compliance / CCO
Rebecca Elliott Vice President Finance / CFO
Joshua Robles Vice President Business Lending / CBLO
Kristie Simo Vice President Consumer Lending / CCLO
Sara Vara Vice President Human Resources / CHRO
Keith Varney Vice President Real Estate Lending / CRELO
The Certified Credit Union Director (CCD) certification recognizes an individual’s thorough understanding of key issues such as risk management, succession
planning and strategy. The certification honors outstanding professional development efforts and represents dedication to the credit union movement.
In 2016, Joshua Robles was elevated to the position of Vice President Business Lending and Keith Varney joined United Heritage Credit Union as Vice President
Real Estate Lending.
5
United Heritage Credit Union has been fortunate to experience
sustained financial success over the past year, as clearly evidenced
by our lending portfolios, diverse share base and strong capital
position. Steady growth drove Credit Union assets past the $897.5
million mark in 2016, up $31 million from the same time in the
previous year. Such growth can be attributed to the hard work of
Credit Union staff to attain and maintain the confidence and trust
of our members.
As the Credit Union grows, we work diligently to meet and
exceed members’ needs, focusing our efforts on member service
improvements. We enhanced our digital capabilities in 2016,
which improved member access to the Credit Union’s products
and services. Such advances included upgrading the Credit
Union’s Online Banking interface, providing members with a more
streamlined digital experience across all their devices. Historically
low interest rates also enabled us to continue fulfilling members’
dreams of home ownership, car ownership, higher education and
more at a pace greater than the year before.
In 2016, the Credit Union hosted three Austin-Area Member
Appreciation events in the United Heritage Conference Center
at the Dell Diamond. These incredibly popular events featured a
Round Rock Express baseball game, ballpark fare, door prizes, face
painters, balloon artists and appearances by Beaker, the UHCU
eagle mascot. Member Appreciation, which has expanded over the
years due to demand, allows the Credit Union to publicly display
our gratitude for our members. For our members who reside in East
Texas, we hosted a carnival-themed Member Appreciation event at
the Tyler branch in the spring, complete with a bounce house, dunk
tank, local eats and giveaways.
None of these accomplishments would be possible without the
dedication of our Credit Union employees, who go above and
beyond in their commitment to members and the communities
we serve. Founded by a group of United Heritage employees in
2011, Team United Heritage upheld its tradition of community
involvement and service this year, donating 348 hours of personal
time volunteering for worthy causes. Team United Heritage
contributed $15,960 to deserving organizations this past year with
the support of the United Heritage Charity Foundation.
The achievements the Credit Union enjoyed in 2016 are due in large
part to the hard work and dedication of our volunteer Board of
Directors, with whom I have had the pleasure of serving alongside
for more than 20 years as Chairman. Each board member bestows
an enormous amount of time, knowledge and expertise in guiding
the Credit Union forward. This esteemed group of individuals
ensures that the Credit Union remains a strong, viable institution
and positions us for success year after year.
In 2017, the Credit Union will celebrate 60 years of providing
superior financial services to our membership. We thank all 58,983
members for their support over the last 59 years and look forward
to delivering even more value, convenience and high-quality
products in the years to come. In keeping with our Credit Union’s
objective, we are committed to making banking personal again
while maintaining a strong financial position now and in the future.
Chairman’s ReportMay D. Lofgreen | Chairman
6
“In 2017, the Credit Union will celebrate 60 years of
providing superior financial services to our membership.
We thank all 58,983 members for their support over the
last 59 years and look forward to delivering even more
value, convenience and high-quality products in the years
to come.”
May D. Lofgreen, Chairman
Total AssetsDollars in Millions
Financial SnapshotDollars in Millions
2016 2015
$650
$700
$750
$800
$850
$900
719.2 766.2 804.1 897.7866.6
‘12 ‘13 ‘14 ‘16‘15
$897.7
$866.6
Assets $3.8
$4.0
Dividends
$741.9
$633.1
Loans $5.2
$4.0
Net Income
$814.2
$788.0
Deposits 58,983
57,153
Members
7
Over the past year, United Heritage Credit Union has tackled new
ventures, surpassed several milestones and worked tirelessly
to be the financial institution of choice for our members. Fueled
by healthy deposit growth, assets exceeded $897.5 million and
membership grew from 57,153 at 2015 year-end to 58,983 at 2016
year-end. Such steady expansion allowed the Credit Union to
continue offering competitive rates and enhanced services to our
membership.
Sound financial and risk management policies propelled 2016 to
become one of the Credit Union’s most successful years in recent
history, as evidenced by earnings, capital gains and assessments
conducted by state and federal regulators as well as the Credit
Union’s external audit firm. Financial strength was demonstrated
in the Credit Union’s 8.82% capital ratio, which indicates a well-
capitalized designation by regulatory standards. Additionally,
deposits increased $26.2 million during 2016, which came to a
close with 58,983 members entrusting a total $814.2 million of
their hard-earned funds to the Credit Union.
As members increasingly turn to their mobile devices to conduct
banking transactions and seek financial information, improving the
Credit Union’s digital experience remains a key strategic initiative
for our institution. In 2016, the Credit Union successfully upgraded
the UHCU Online Banking interface. Designed with members in
mind, the new UHCU Online Banking interface provides increased
functionality and enhanced navigation features, including improved
search options. The update also streamlines member experience
across all devices. The launch of Visa Checkout, a service that
simplifies online payment and shopping, further enriched the
Credit Union’s digital offerings this year. Such technological
improvements usher in many exciting new projects that are already
underway for 2017.
The Credit Union’s ability to provide superior-quality, personalized
service hinges on the commitment of our dedicated employees. In
2016, the United Heritage senior management team was greatly
enhanced by the addition of Keith Varney as Vice President of Real
Estate Lending. Mr. Varney joined United Heritage with more than
25 years of real estate lending experience, 14 of which were with a
credit union in Kansas and another 10 of which were with a Credit
Union Service Organization. Also in 2016, Joshua Robles assumed
the role of Vice President of Business Lending. Mr. Robles, whose
lengthy tenure with the Credit Union dates back nearly 15 years,
served in several positions prior to his promotion, most recently as
Director of Business Lending.
Also vital to the Credit Union is our dedicated Board of Directors,
composed of seven Board and three Associate members who
volunteer their time to shape the Credit Union’s operational
guidelines and act on behalf of its membership. As Credit Union
members themselves, the Board is personally invested in one main
goal: ensuring the Credit Union provides superior financial services
at present and for years to come. The Credit Union is incredibly
fortunate to have such a hardworking group of Board members
who truly embody the credit union philosophy of “People Helping
People.”
As a financial cooperative, United Heritage Credit Union’s success
represents our members’ success. We understand that members
have a choice in financial institutions, and we are proud they have
chosen ownership in this Credit Union. The results of 2016 indicate
the tangible and intangible value the Credit Union provides to its
member base, and we are confident that an even brighter future
lies ahead.
President’s ReportBuddy Schroeder | President and CEO
8
Net IncomeDollars in Millions
Ratios
8.82%
8.46%
Reserves
3.42%
3.99%
Fixed Asset Ratio
‘16
‘15
‘14
‘13
‘12
$5.2
$4.0
$5.0
$4.3
$4.0
Dividends PaidDollars in Millions
‘16
‘15
‘14
‘13
‘12
$3.8
$4.0
$3.8
$4.0
$4.5
2016 2015
9
Photo by Steve Snodgrass via Flickr
United Heritage Credit Union finished 2016 in solid financial
condition with both assets and membership levels recording strong
increases. Backed by a robust economic climate, United Heritage
maintained good earnings; a quality loan portfolio; a safe, liquid
investment portfolio; and a healthy capital position. This sustained
fiscal growth is a testament to the loyalty that our members
continuously show us year after year.
Credit Union assets inched closer to the $900 million mark in
2016, reaching almost $898 million by year-end. Loans posted a
record-high $742 million, up from $633 million at the same time
in 2015. Capital ratio rose to 8.82% this year, preserving the well-
capitalized regulatory status that the Credit Union has consistently
achieved. Membership increased 3% to more than 58,980, which
is indicative of the immense support the Credit Union receives from
the communities we serve.
At United Heritage, we pride ourselves on consistently delivering
outstanding products and services to help our member-owners
manage their finances. Because our membership’s satisfaction
level is so vital to how we move forward as a Credit Union, senior
management and the Board of Directors consider reviewing
product and program usage a necessary step in determining how to
best serve members in the upcoming year.
In 2016, a record 11,216 member loans totaling $503 million were
approved. The number of debit card transactions for the year
reached 29 million. Many other services recorded similar levels of
achievement. For example, Mobile App usage climbed to an average
of 192,506 logins per month. Additionally, the Credit Union paid out
more than $3.8 million in dividends on members’ shares this year,
continuing a longstanding history of delivering a healthy return on
member deposits.
As the Credit Union continues to evolve and expand, we remain
focused on our members as we set new goals for 2017. The success
we have experienced thus far is certainly due to the high level of
confidence our growing membership has placed in us, and it has
positioned us to successfully navigate any challenges as well as
seize any opportunities that arise in the coming years.
Treasurer’s ReportJames E. North | Secretary and Treasurer
Total LoansDollars in Millions
$400
$500
$600
$700
445.2 515.8 551.9 741.9633.1
‘12 ‘13 ‘14 ‘16‘15
Approved LoansDollars in Millions
Ratios
$503.2
11,216
2016
2016
$440.3
10,218
2015
2015
0.17%
0.11%
Loan Delinquency
82.65%
73.05%
Loan To Asset
91.12%
80.35%
Loan To Deposit
Approved LoansNumber
2016 2015
$800
10
“Being the owner of a boutique drum company in Austin
comes with a variety of unique challenges and opportunities.
United Heritage Credit Union has always provided me with
unparalleled member service and that’s why I trust them
with both my personal and business accounts.”
Ramy Antoun, anfdrumco.com, Member since 2008
Austin Music History
Antone’s Nightclub
Opening in the summer of 1975, Antone’s became an instant sanctuary
for jazz and blues artists alike. Expanding to a record store, the
nightclub garnered more notoriety and larger acts. After changing locations five
times, Antone’s finally reopened at a beautiful, renovated venue on East Fifth
Street on December 31, 2015.2
#2
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“If you want to bank with people who view you as a person
instead of an account number, there’s no better place than
United Heritage Credit Union. The staff here in Tyler has
always been extremely friendly, helpful and involved in our
community. UHCU sets the service bar high.”
Jimmy Wilkerson, Member since 1999
Austin Music History
South by Southwest
In March 1987, 700 registrants attended the opening day of the inaugural South by Southwest. Though music was the uniting
factor early on, the festival’s founders also had diverse interests in arts and ideas. Today, South by Southwest is a
10-day conference that celebrates the convergence of the interactive, film and
music industries.3
#3
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United Heritage Credit Union’s Audit Committee, comprised of
Board of Director members who are chosen for their experience
and expertise, is appointed each year by the United Heritage Board
Chairman. These three Committee appointees monitor regulatory
supervisory processes and oversee both internal and external audit
functions. The Audit Committee also works alongside Credit Union
staff to guarantee that strategic and operational goals are met and
member service standards are achieved.
Independent audit firm PMB Helin Donovan, LLP performed the
financial audit of United Heritage and its subsidiaries for 2016,
in accordance with Texas Finance Code requirements. Based on
the results of that in-depth financial audit, PMB Helin Donovan
LLP issued an unqualified opinion on the consolidated financial
statements for United Heritage Credit Union as of December 31,
2016.
To fulfill state and federal regulatory requirements, representatives
of both the State of Texas Credit Union Department and the
National Credit Union Administration also examined United
Heritage Credit Union in 2016. These examinations are conducted
annually to ensure the safety and security of the Credit Union’s
operations. Taking into consideration the collective findings of
independent auditors, federal and state regulatory examiners,
and financial and operational statements, the Audit Committee is
pleased to report that United Heritage Credit Union is in excellent
financial condition and management procedures are sufficient to
protect the assets of our members.
To verify the Credit Union’s quality of member service, the
Audit Committee also works closely with the Risk Management
Department to oversee member satisfaction levels. In 2016, United
Heritage received a 100% favorable service rating, which clearly
reflects the continued approval of our growing membership.
The United Heritage Credit Union Audit Committee remains
devoted to the mission and values of the Credit Union. We are
grateful for the support of our nearly 59,000 members and the
opportunity to provide each member with the highest achievable
financial service.
Audit Committee ReportHarold Keyes, Chair; Grady Elliott; James E. North | Audit Committee
Total Share DepositsDollars in Millions
$600
$650
$700
$750
$800
$850
643.1 680.0 726.5 814.2788.0
‘12 ‘13 ‘14 ‘16‘15
New Member Satisfaction
89%
87%
2%
1%
Excellent
Excellent
Satisfactory
Satisfactory
9%
12%
Good
Good
Unsatisfactory
Unsatisfactory
0%
0%
2016
2015
13
2016 Financial Report
Statements of Financial Condition
Assets 2016 2015
Liabilities and Equity 2016 2015
Loans $ 74 1 , 9 2 4 , 3 1 4 $ 6 3 3 , 1 0 6 , 3 1 1
Less Allowance for Loan Loss $ ( 1 , 8 5 7, 3 1 9 ) $ ( 1 , 1 4 7, 8 7 2 )
Cash / Cash On Deposit $ 8 , 4 9 9 , 1 1 0 $ 7, 8 8 3 , 4 2 6
Investments $ 9 4 , 4 9 3 , 3 9 4 $ 1 7 6 , 7 1 4 , 3 3 3
Fixed Assets $ 3 0 , 8 5 4 , 5 3 9 $ 3 1 , 7 1 7, 6 5 2
Share Insurance $ 7, 7 1 2 , 8 4 8 $ 7, 2 2 4 , 2 1 7
Other Assets $ 1 6 , 0 5 7, 7 6 0 $ 1 1 , 1 4 1 , 2 9 5
Total Assets $ 8 9 7, 6 8 4 , 6 4 6 $ 8 6 6 , 6 3 9 , 3 6 2
Accounts Payable $ 3 , 5 8 1 , 3 2 9 $ 4 , 8 2 7, 5 2 4
Dividends Payable $ 2 9 1 $ 3 8 9
Other Liabilities $ 2 , 9 5 0 , 4 4 4 $ 2 , 1 7 3 , 1 9 6
Member Deposits $ 8 1 4 , 2 1 5 , 3 6 2 $ 7 8 7, 9 7 0 , 1 3 4
Regular Reserves $ 1 1 , 4 7 1 , 9 6 4 $ 1 1 , 4 7 1 , 9 6 4
Undivided Earnings $ 6 5 , 8 4 0 , 8 1 1 $ 6 0 , 6 6 2 , 0 2 7
Unrealized Gain / Loss $ ( 3 7 5 , 5 5 5 ) $ ( 4 6 5 , 8 7 2 )
Total Assets $ 8 9 7, 6 8 4 , 6 4 6 $ 8 6 6 , 6 3 9 , 3 6 2
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Statements of Income
Income 2016 2015
Expenses 2016 2015
2016 2015
Members 58,983 57,153
Loans $ 2 5 , 2 3 1 , 4 7 9 $ 2 2 , 0 3 9 , 3 3 8
Investments $ 2 , 0 6 7, 0 5 2 $ 2 , 4 2 7, 4 6 5
Gain On Sale of Assets $ $ 9 2 , 9 8 3
Other $ 1 0 , 2 1 5 , 5 2 4 $ 9 , 3 9 2 , 3 0 1
Gross Income $ 3 7, 5 1 4 , 0 5 5 $ 3 3 , 9 5 2 , 0 8 7
Operating Expenses $ 1 4 , 4 8 2 , 2 5 9 $ 1 3 , 9 8 1 , 3 74
Provision for Loan Loss $ 1 , 5 1 2 , 7 6 4 $ 5 6 5 , 1 3 2
NCUA / NCUSIF Assessment $ $
Other General and Admin $ 1 2 , 4 9 6 , 6 0 5 $ 1 1 , 3 7 7, 4 0 2
Total Expenses $ 2 8 , 4 9 1 , 6 2 8 $ 2 5 , 9 2 3 , 9 0 8
Income Before Dividends $ 9 , 0 2 2 , 4 2 7 $ 8 , 0 2 8 , 1 7 9
Dividends Paid $ 3 , 8 4 3 , 6 4 4 $ 4 , 0 1 6 , 0 1 8
Net Income $ 5 , 1 7 8 , 7 8 3 $ 4 , 0 1 2 , 1 6 1
15
2016 Services Report
2016 2015
Mobile Banking Sign-Ins
2 , 3 1 0 , 0 7 0 1 , 7 7 2 , 7 0 0
Online Banking Sign-Ins
4 , 0 5 6 , 5 6 4 5 , 0 2 3 , 4 5 0
ATM and Debit Card Transactions
2 9 , 1 6 8 , 4 1 5 2 7, 2 9 7, 7 5 0
Improving existing and offering new digital services remains a core
initiative for United Heritage Credit Union. To this end, the Credit
Union unveiled an upgraded Online Banking interface in 2016. With
more members accessing their Credit Union accounts via Mobile
Banking each year, optimizing mobile access is a top priority. The
Online Banking update increases functionality and streamlines the
member experience across all devices. In the past year, the Credit
Union also launched Visa Checkout, a service that simplifies online
payment and shopping.
The safety and security of members’ personal information is of the
utmost importance to United Heritage Credit Union. Throughout
the year, the Credit Union provided members with a wealth of useful
advice on safeguarding their sensitive data and offered updates
on a variety of security threats via the online UHCU Security
Center. 2016 Security Center posts included details on local text
messaging scams, guidelines on what to do in the aftermath of the
Yahoo security breaches and more.
Members can also find information about money management,
home buying, car expenses and other helpful topics on the United
Heritage Blog, which is updated regularly. Visit uhcu.org/blog to
read the aforementioned posts as well as the latest Credit Union
news about charitable activities, events and contests.
In an effort to keep all members informed, the Credit Union utilizes
a variety of social media outlets, including Facebook, Twitter
and Instagram. Credit Union followers across all social channels
increased more than 10% in 2016 while total engagement grew
nearly 32%.
As United Heritage Credit Union progresses into 2017, the year of
its 60th anniversary, the Credit Union has renewed its commitment
to further enhance digital services as well as provide members with
products that promote and protect their financial wellbeing.
Photo by Eric R.
16
2016 2015
Member Checks Processed
1 , 4 2 4 , 0 8 9 1 , 4 9 4 , 7 7 5
Shared Branch Transactions
1 8 1 , 8 2 7 1 5 0 , 6 4 5
Shared branching offers branch facilities to credit union members from all over the country, giving members over 5,000 convenient
locations at which to perform transactions, just as if they were in their home credit union.
Distribution of IncomeDistribution of Assets
Loans, net $ 740,066,995 82%
Cash / Investments $ 102,992,504 12%
Fixed Assets $ 30,854,539 3%
Share Insurance $ 7,712,848 1%
Other Assets $ 16,057,760 2%
Total Assets $ 897,684,646
Expenses $ 28,491,628 76%
Dividends $ 3,843,644 10%
Reserves $ 5,178,783 14%
Gross Income $ 37,514,055
17
Austin Children’s Shelter
Austin Diaper Bank
Austin Empty Bowl Project
Big Brothers Big Sisters
BookSpring
Breast Cancer Resource Center of Central Texas
Central Texas Food Bank
Children’s Miracle Network
Cystic Fibrosis Foundation
Dell Children’s Regional Heart Program
Junior Achievement
Keep Austin Beautiful
Kids Café
Literacy Council of Tyler
People Attempting to Help (PATH)
United Mitochondrial Disease Foundation
Williamson County Regional Animal Center
United Heritage Credit Union is fortunate to employ staff members
who are enthusiastic about improving the communities in which
they live and work. This passion is what drives many United
Heritage employees to become a part of Team United Heritage,
a group that regularly volunteers man hours and resources to
support local, charitable organizations and initiatives.
In 2016, Team United Heritage’s 89 volunteers participated
in 18 events across Central and East Texas. Additionally, they
volunteered a total of 348 hours of their free time and raised
$15,960 worth of donations for local charities.
Motivated by altruistic values, Team United Heritage turns
the ordinary into the extraordinary. Whether as an individual
philanthropic endeavor or a group activity, participants of Team
United Heritage continue to improve the lives of those in their
community on a regular basis.
Team United Heritage
Organizations Supported in 2016
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Austin Music History
Stubb’s Bar-B-Q
Christopher B. Stubblefield, better known as “Stubb,” has a legacy that continues to influence the Austin music industry today.
Stubb opened his first restaurant in Lubbock in 1968, and it quickly became a hot venue
for artists like Joe Ely and Stevie Ray Vaughan. Though the original Stubb’s in Lubbock is now closed, the legend continues here in
Austin on Red River Street.4
#4
19
2016 was another banner year for the United Heritage Charity
Foundation. Founded in 2003, the Charity Foundation is a self-
funding, independent nonprofit that strives to support deserving
organizations in and around the communities United Heritage
Credit Union services.
In 2016, the Charity Foundation awarded $10,000 in scholarships
to college-bound high school seniors and donated another
$162,072 to local organizations. The Charity Foundation’s annual
Auto Raffle was once again the most successful fundraiser,
raising a record $70,424 through ticket sales in its sixth year –
an increase of $4,500 over the previous year. Floy Bryan was
randomly selected as the winner of the Auto Raffle and took home
a 2016 Honda Civic LX Sedan donated by Howdy Honda. Since its
inception, the Charity Foundation has distributed nearly $1.5 million
to charitable causes in Central and East Texas.
The United Heritage Charity Foundation Board of Managers is
incredibly grateful to all who have helped the Charity Foundation
realize its mission year after year. We’d also like to recognize
the positive impact that Team United Heritage made in 2016.
This group of Credit Union employees generously gives their
free time to support meaningful, local projects and causes. It
is truly inspiring to witness the dedication these extraordinary
volunteers demonstrate to philanthropic service and bettering their
communities.
With your continued support, the United Heritage Charity
Foundation looks forward to 2017 and renewing our commitment
to charitable initiatives that positively impact fellow Texans. Visit
uhcf.org for more information.
United Heritage Charity FoundationMay D. Lofgreen, Chair; Jesse Lofgreen, Vice Chairman; Harold Keyes, Secretary / Treasurer; H. Ralph Wilburn, Russ Miller, Robert W. Spurck, Jr.
United Heritage Community Scholarship
The Charity Foundation annually awards two college scholarships
to high school seniors who best exemplify the credit union
philosophy of “People Helping People.” In spring 2016, the United
Heritage Community Scholarship Committee awarded Zachary Ray
and Eliza Cain each with a $5,000 scholarship. The two Austin-
area high school seniors were selected based on their exceptional
level of community service, impressive extracurricular activities
and superior academic performance. H. Ralph Wilburn and Harold
Keyes presided over the scholarship presentations.
20
Pictured left to right: H. Ralph Wilburn, Zachary Ray, May D. Lofgreen, Grady Elliott,
Eliza Cain, Harold Keyes
93rd Bombardment Group
African American Youth Harvest
Alzheimer’s Association
American Legion Post 326
Austin Diaper Bank
Autism Society of Texas
Big Brothers Big Sisters
Breast Cancer Resource Center
Central Texas Food Bank
Children’s Medical Center Foundation
Children’s Miracle Network
Comfort Crew for Military Kids
Concordia University
Cornerstone Credit Union Foundation
Cystic Fibrosis Foundation
Drive-A-Senior
Hays-Caldwell Women’s Center
Hospice Austin
Jana’s House
Joyful Horse Project
Junior Achievement
Katie’s Krops
Lake Travis Christmas Hope
Open Door Recovery House
The Arc of the Capital Area
United Mitochondrial Foundation
University of Texas Elementary School
Water to Thrive
Williamson County Animal Shelter
Youth2Seniors
Charities Supported in 2016
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Georgetown
12 Waters Edge Cir, Georgetown 78626
Cedar Park
1801 E Whitestone Blvd (FM 1431), Cedar Park 78613
Round Rock
301 Mays Crossing Dr, Round Rock 78664
North Austin
12208 N Mopac Expy, Austin 78758
River Place
10815 RR 2222, Austin 78730
Lakeway
3317 S RR 620, Austin 78738
Westlake
2009 S Capital of Texas Hwy, Austin 78746
Southeast Austin
3 Drive-Thru Lanes at Austin Federal Credit Union
1900 Woodward St, Austin 78741
South Austin
6400 Manchaca Rd, Austin 78745
Southwest Austin
5011 W Slaughter Ln, Austin 78749
Kyle
5029 Kyle Center Dr (S FM 1626), Kyle 78640
Tyler
522 S Broadway Ave, Tyler 75702
United Heritage members have access to a nationwide network of over 5,000 shared branches.
For more information visit uhcu.org/locations.
United Heritage Credit Union Branches
Photo by Laura O.
22
Federally Insured by NCUAEqual Housing Opportunity
NMLS #630601
Austin Music History sources:1 http://acltv.com/history-of-acl/2 https://communityimpact.com/austin/arts-entertainment/2016/01/27/antones-nightclub/3 https://www.sxsw.com/about/history/4 http://www.stubbsaustin.com/about-stubbs
512.435.45 45 903.597.7484 800.531.2328uhcu.org
We’re making banking personal again.