Federal credit union · Houston, Texas · NCUA charter #7552
Harris County
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $218.0M
- Total assets
- 19,913
- Members
- 22.5%
- Net-worth ratio
Harris County scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $218.0M; members 19,913; net-worth ratio 22.53%; health rank #1,376 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,376 of 4,374 health · 2025Q4Harris County · health 88/100 · $218.0M · 2025Q4
- RANK 88/100
- PHOTO 22.5%
- BOOK 1.63%
- CHARTER 1.62%
- NCUSIF $218.0M
- CAMELS 19,913
- HEALTH #1,376/4,374
- NW Carolina Foothills
- DELQ 7552
Call Report peers
Harris County in the assets neighbourhood
Harris County's $218.0M assets sit next to Carolina Foothills ($218.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Harris County vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Harris County - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #7552 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Harris County diverges from peer averages
- Net Worth Ratio leads the peer set - 22.53% here, 12.11% peer average (+10.42 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -4.97 pp (67.23% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Harris County sits in Texas
- Texas health ordinal: #132 of 386.
- Texas assets place: #100 of 386.
- Membership ranks #85 of 386 among Texas CUs with a reported count (19,913 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Harris County
Harris County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $218.0M (2025Q4) to $222.5M (2026Q1).
- Net-worth ratio shifted +0.00 pp (22.53% → 22.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 22.53% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.3 pts
- Return on Assets 15.0 pts
- Member Growth 13.0 pts
- Loan-to-Share Ratio 14.7 pts
Harris County health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.53% | +10.42 pp |
| Delinquency Rate | 1.63% | +0.74 pp |
| Return on Assets | 1.62% | +1.00 pp |
| Member Growth | 3.34% | - |
| Loan-to-Share Ratio | 67.23% | -4.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $222.5M | - |
| 2025Q4 | $218.0M | 19,913 |
| 2024Q4 | $208.4M | 19,270 |
| 2023Q4 | $203.2M | 18,782 |
Credit Union Details
- Charter Number
- 7552
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Location
Harris County operates a single office in Houston, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Houston, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Harris County nationwide neighbourhoods
Cross-state asset and health neighbours for Harris County - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($218.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Harris County ranks #1,376 of 4,374 nationally on financial health and #132 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Santa Fe is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Santa Fe
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Harris County financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Harris County's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,376 of 4,374; by total assets it ranks #1,221 of 4,374 nationally (same basis as /rankings/largest); and #100 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 22.53% net worth ratio and 1.63% delinquency rate are the key drivers.
How does Harris County compare to other credit unions?
Five weighted metrics from NCUA filings produce Harris County's 88/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Harris County?
Harris County serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Harris County directly for the current list of qualifying groups.
Is my money safe at Harris County?
Federal credit unions like Harris County are 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. Harris County's net worth ratio of 22.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Harris County offer compared to banks?
Credit unions like Harris County are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Harris County directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.