Federal credit union · Sugar Land, Texas · NCUA charter #14091
HOUSTON
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $950.7M
- Total assets
- 59,905
- Members
- 9.8%
- Net-worth ratio
HOUSTON scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $950.7M; members 59,905; net-worth ratio 9.77%; health rank #2,638 of 4,374; healthier than 39th of scored peers.
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NCUA 5300 Call Report Masthead
#2,638 of 4,374 health · 2025Q4HOUSTON · health 81/100 · $950.7M · 2025Q4
Call Report peers
HOUSTON in the assets neighbourhood
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HOUSTON vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HOUSTON sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HOUSTON vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.40 pp (0.48% vs 0.87%).
- Largest lag: Loan-to-Share Ratio at 62.34% vs peer 83.90% (-21.56 pp).
Texas standing for HOUSTON
- Health composite ranks #240 of 386 among scored Texas credit unions.
- By total assets, HOUSTON is #40 of 386 in Texas.
- Membership ranks #40 of 386 among Texas CUs with a reported count (59,905 members).
- One place up in Texas, Brazos Valley Schools (#239) ties at 81/100; one place down, BAPTIST (#241) ties at 81/100.
Quarter path for HOUSTON
HOUSTON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $950.7M (2025Q4) to $961.8M (2026Q1).
- Net-worth ratio shifted +0.03 pp (9.74% → 9.77%).
9.77% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
HOUSTON gives up 19 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.4 pts
HOUSTON vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.77% | -1.41 pp |
| Delinquency Rate | 0.48% | -0.40 pp |
| Return on Assets | 0.38% | -0.13 pp |
| Member Growth | -6.06% | - |
| Loan-to-Share Ratio | 62.34% | -21.56 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
HOUSTON quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $961.8M | - |
| 2025Q4 | $950.7M | 59,905 |
| 2024Q4 | $939.4M | 63,772 |
| 2023Q4 | $905.3M | 68,904 |
Credit Union Details
- Charter Number
- 14091
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- Sugar Land
- Data Quarter
- 2025Q4
Branch Locations (12)
The NCUA branch filing lists 12 physical offices for HOUSTON, spread across 5 cities in 2 states.
| Office | City |
|---|---|
| HFCU (Main Office) | Sugar Land, TX |
| Greenville | Greenville, SC |
| Grove Branch | Greenville, SC |
| Memorial | Houston, TX |
| Greenway Plaza | Houston, TX |
| Northwest | Houston, TX |
| HCU | Houston, TX |
| Champions | Houston, TX |
| Southeast | Houston, TX |
| Sienna | Missouri City, TX |
| Rosenberg | Rosenberg, TX |
| Imperial | Sugar Land, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
HOUSTON nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- HOUSTON ranks #2,638 of 4,374 nationally on financial health and #240 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community Resource is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community Resource
Frequently Asked Questions
Is HOUSTON financially healthy?
On its 2025Q4 NCUA 5300 filing, HOUSTON scores 81/100 (Excellent), with a 9.77% net worth ratio and 0.48% of loans delinquent. It ranks #2,638 of 4,374 nationally on health and #240 of 386 in Texas.
How does HOUSTON compare to other credit unions?
HOUSTON scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.48% vs 0.87%). Its widest shortfall is loan-to-share ratio (62.34% vs 83.90%).
How can I join HOUSTON?
HOUSTON 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 HOUSTON directly for the exact boundaries and application steps.
Is my money safe at HOUSTON?
HOUSTON 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. HOUSTON's net worth ratio of 9.77% 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.