Federal credit union · Houston, Texas · NCUA charter #2357
Houston Police
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $989.2M
- Total assets
- 32,650
- Members
- 16.4%
- Net-worth ratio
Houston Police scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $989.2M; members 32,650; net-worth ratio 16.38%; health rank #328 of 4,374; healthier than 90th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#328 of 4,374 health · 2025Q4Houston Police · health 95/100 · $989.2M · 2025Q4
Call Report peers
Houston Police in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Houston Police vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Houston Police sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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 Police vs Over $500M peers
- Largest favorable gap: Net Worth Ratio at 16.38% vs peer 11.18% (+5.20 pp).
- Largest lag: Loan-to-Share Ratio at 55.80% vs peer 83.90% (-28.10 pp).
Texas standing for Houston Police
- Texas health ordinal: #30 of 386.
- Texas assets place: #38 of 386.
- Texas membership ordinal: #64 of 386.
- One place up in Texas, Scott and White Employees (#29) ties at 95/100; one place down, CITIZENS (#31) ties at 95/100.
Houston Police Call Report trajectory
Houston Police: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $989.2M (2025Q4) to $999.5M (2026Q1).
- Net-worth ratio shifted +0.10 pp (16.28% → 16.38%).
This credit union's 16.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Houston Police gives up 5 points in total. Loan-to-Share Ratio costs the most, 3.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.2 pts
- Return on Assets 15.0 pts
- Member Growth 13.7 pts
- Loan-to-Share Ratio 12.1 pts
Houston Police health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.38% | +5.20 pp |
| Delinquency Rate | 0.58% | -0.29 pp |
| Return on Assets | 0.71% | +0.20 pp |
| Member Growth | 3.91% | - |
| Loan-to-Share Ratio | 55.80% | -28.10 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Houston Police
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $999.5M | - |
| 2025Q4 | $989.2M | 32,650 |
| 2024Q4 | $927.4M | 31,422 |
| 2023Q4 | $917.9M | 31,613 |
Credit Union Details
- Charter Number
- 2357
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Houston Police.
| Office | City |
|---|---|
| Memorial Branch (Main Office) | Houston, TX |
| Willowbrook Branch | Houston, TX |
| Travis Branch | 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.
Other-state peers near Houston Police
Using this data
- Houston Police ranks #328 of 4,374 nationally on financial health and #30 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Texas is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Texas
Frequently Asked Questions
Is Houston Police financially healthy?
On its 2025Q4 NCUA 5300 filing, Houston Police scores 95/100 (Excellent), with a 16.38% net worth ratio and 0.58% of loans delinquent. It ranks #328 of 4,374 nationally on health and #30 of 386 in Texas.
How does Houston Police compare to other credit unions?
Houston Police scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (16.38% vs 11.18%). Its widest shortfall is loan-to-share ratio (55.80% vs 83.90%).
How can I join Houston Police?
Houston Police 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 Police directly for the exact boundaries and application steps.
Is my money safe at Houston Police?
Houston Police 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 Police's net worth ratio of 16.38% 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.