Federal credit union · Houston, Texas · NCUA charter #258
Houston Texas Fire Fighters
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $395.0M
- Total assets
- 17,640
- Members
- 13.8%
- Net-worth ratio
Houston Texas Fire Fighters scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $395.0M; members 17,640; net-worth ratio 13.80%; health rank #1,082 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,082 of 4,374 health · 2025Q4Houston Texas Fire Fighters · health 90/100 · $395.0M · 2025Q4
- BOOK 90/100
- CHARTER 13.8%
- NCUSIF 0.44%
- CAMELS 0.83%
- HEALTH $395.0M
- NW 17,640
- DELQ #1,082/4,374
- ROA ANCORUM
- ASSETS 258
Call Report peers
Houston Texas Fire Fighters in the assets neighbourhood
Houston Texas Fire Fighters's $395.0M assets sit next to ANCORUM ($395.0M) 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.
Houston Texas Fire Fighters 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
90 Top 27% higher than 73% 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 Texas Fire Fighters - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #258, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Houston Texas Fire Fighters: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +1.69 pp (13.80% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 50.32% vs peer 72.20% (-21.88 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Houston Texas Fire Fighters
- Health composite ranks #104 of 386 among scored Texas credit unions.
- By total assets, Houston Texas Fire Fighters is #75 of 386 in Texas.
- Member book place in Texas: #92 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Houston Texas Fire Fighters: 2025Q4 → 2026Q1
Houston Texas Fire Fighters: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $395.0M (2025Q4) to $401.2M (2026Q1).
- Net-worth ratio shifted -0.03 pp (13.83% → 13.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.80% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 10.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.80% | +1.69 pp |
| Delinquency Rate | 0.44% | -0.46 pp |
| Return on Assets | 0.83% | +0.21 pp |
| Member Growth | 0.31% | - |
| Loan-to-Share Ratio | 50.32% | -21.88 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).
Houston Texas Fire Fighters quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $401.2M | - |
| 2025Q4 | $395.0M | 17,640 |
| 2024Q4 | $412.3M | 17,586 |
| 2023Q4 | $337.0M | 17,549 |
Credit Union Details
- Charter Number
- 258
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (3)
Houston Texas Fire Fighters operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Houston Texas Fire Fighters FCU (Main Office) | Houston, TX |
| Houston Texas Fire Fighters FCU | Houston, TX |
| Houston Texas Fire Fighters FCU | Pearland, 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 Texas Fire Fighters nationwide neighbourhoods
Cross-state asset and health neighbours for Houston Texas Fire Fighters - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($395.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Houston Texas Fire Fighters ranks #1,082 of 4,374 nationally on financial health and #104 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MCT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MCT
- 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 Texas Fire Fighters financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Houston Texas Fire Fighters carries a financial health score of 90/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,082 of 4,374; by total assets it ranks #874 of 4,374 nationally (same basis as /rankings/largest); and #75 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.80% net worth ratio and a 0.44% delinquency rate.
How does Houston Texas Fire Fighters compare to other credit unions?
On PlainCU's health composite, Houston Texas Fire Fighters lands at 90/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Texas Fire Fighters?
Houston Texas Fire Fighters carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Houston Texas Fire Fighters directly to confirm current membership steps.
Is my money safe at Houston Texas Fire Fighters?
Federal credit unions like Houston Texas Fire Fighters 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 Texas Fire Fighters's net worth ratio of 13.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Houston Texas Fire Fighters offer compared to banks?
Credit unions like Houston Texas Fire Fighters 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 Texas Fire Fighters 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.