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
Call Report peers
Harris County in the assets neighbourhood
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
Harris County sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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%).
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).
- One place up in Texas, S.T.E.C. (#131) ties at 88/100; one place down, Alcon Employees (#133) ties at 88/100.
Quarter path for Harris County
Harris County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $218.0M (2025Q4) to $222.5M (2026Q1).
- Net-worth ratio shifted +0.00 pp (22.53% → 22.53%).
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
Harris County gives up 12 points in total. Delinquency Rate costs the most, 9.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Harris County financially healthy?
On its 2025Q4 NCUA 5300 filing, Harris County scores 88/100 (Excellent), with a 22.53% net worth ratio and 1.63% of loans delinquent. It ranks #1,376 of 4,374 nationally on health and #132 of 386 in Texas.
How does Harris County compare to other credit unions?
Harris County scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (22.53% vs 12.11%). Its widest shortfall is loan-to-share ratio (67.23% vs 72.20%).
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?
Harris County 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. Harris County's net worth ratio of 22.53% 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.