Federal credit union · Houston, Texas · NCUA charter #258
Houston Texas Fire Fighters
Health score 90/100 (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 - 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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth62
- Liquidity (loan-to-share)70
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.82% | 30% |
| Delinquency Rate | 0.44% | 25% |
| Return on Assets | 0.83% | 15% |
| Member Growth | 0.31% | 15% |
| Loan-to-Share Ratio | 50.32% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Houston Texas Fire Fighters
Houston Texas Fire Fighters is a federal credit union headquartered in Houston, Texas, serving 17,640 members with $395.0M in total assets and $169.1M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 90/100 (Excellent), anchored by a net worth ratio of 13.82% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #258 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 50.32% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.44% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 0.83% on net income of $3.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.31%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Low Income) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.82% 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 13.82% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.