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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,638 of 4,374 health · 2025Q4HOUSTON · health 81/100 · $950.7M · 2025Q4
- DELQ 81/100
- ROA 9.8%
- ASSETS 0.48%
- MEM 0.38%
- RANK $950.7M
- PHOTO 59,905
- BOOK #2,638/4,374
- CHARTER Financial Center First
- NCUSIF 14091
Call Report peers
HOUSTON in the assets neighbourhood
HOUSTON's $950.7M assets sit next to Financial Center First ($952.2M) 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.
HOUSTON 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
81 39th percentile higher than 39% 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
HOUSTON - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #14091. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 HOUSTON
HOUSTON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $950.7M (2025Q4) to $961.8M (2026Q1).
- Net-worth ratio shifted +0.03 pp (9.74% → 9.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for HOUSTON, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($950.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- 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 HOUSTON financially healthy?
A 9.77% net worth ratio and a 0.48% delinquency rate feed into HOUSTON's financial health score of 81/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,638 of 4,374; by total assets it ranks #488 of 4,374 nationally (same basis as /rankings/largest); and #40 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does HOUSTON compare to other credit unions?
Five weighted metrics from NCUA filings produce HOUSTON's 81/100 score on PlainCU's health composite, compared to a peer group average for Over $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 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?
Federal credit unions like HOUSTON 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. HOUSTON's net worth ratio of 9.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HOUSTON offer compared to banks?
Credit unions like HOUSTON 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 HOUSTON 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.