Federal credit union · Houston, Texas · NCUA charter #11452
CY-FAIR
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $383.5M
- Total assets
- 26,076
- Members
- 9.3%
- Net-worth ratio
CY-FAIR scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $383.5M; members 26,076; net-worth ratio 9.31%; health rank #1,714 of 4,374; healthier than 60th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,714 of 4,374 health · 2025Q4CY-FAIR · health 87/100 · $383.5M · 2025Q4
Call Report peers
CY-FAIR in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CY-FAIR vs every NCUA-scored credit union
CY-FAIR sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for CY-FAIR
- Net Worth Ratio trails the peer set - 9.31% here, 12.11% peer average (-2.80 pp).
Where CY-FAIR sits in Texas
- Health composite ranks #153 of 386 among scored Texas credit unions.
- Assets rank #76 of 386 inside Texas ($383.5M reported).
- Texas membership ordinal: #75 of 386.
- One place up in Texas, MEMBERSOURCE (#152) ties at 87/100; one place down, MID-TEX (#154) ties at 87/100.
CY-FAIR Call Report trajectory
CY-FAIR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $383.5M (2025Q4) to $387.3M (2026Q1).
- Net-worth ratio shifted +0.30 pp (9.01% → 9.31%).
At 9.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
CY-FAIR gives up 13 points in total. Delinquency Rate costs the most, 6.1 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 18.9 pts
- Return on Assets 12.3 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 15.4 pts
CY-FAIR vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.31% | -2.80 pp |
| Delinquency Rate | 1.15% | +0.26 pp |
| Return on Assets | 0.32% | -0.30 pp |
| Member Growth | 2.58% | - |
| Loan-to-Share Ratio | 70.67% | -1.53 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - CY-FAIR
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $387.3M | - |
| 2025Q4 | $383.5M | 26,076 |
| 2024Q4 | $362.0M | 25,421 |
| 2023Q4 | $335.9M | 24,974 |
Credit Union Details
- Charter Number
- 11452
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for CY-FAIR, spread across 3 cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Houston, TX |
| Skinner Branch | Cypress, TX |
| Towne Lake | Cypress, TX |
| Jones Branch | Houston, TX |
| Copperfield Branch | Houston, TX |
| Team Financial | Houston, TX |
| Prarie View | Prairie View, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Cross-state Call Report peers for CY-FAIR
Using this data
- CY-FAIR ranks #1,714 of 4,374 nationally on financial health and #153 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Houston Texas Fire Fighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Houston Texas Fire Fighters
Frequently Asked Questions
Is CY-FAIR financially healthy?
CY-FAIR has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,714 of 4,374 nationally on health and #153 of 386 in Texas. Its net worth ratio is 9.31% and its delinquency rate 1.15%.
How does CY-FAIR compare to other credit unions?
CY-FAIR scores 87/100, higher than 60% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (9.31% vs 12.11%).
How can I join CY-FAIR?
CY-FAIR operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CY-FAIR directly for the exact boundaries and application steps.
Is my money safe at CY-FAIR?
CY-FAIR is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CY-FAIR's net worth ratio of 9.31% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.