State credit union · Houston, Texas · NCUA charter #67927
Smart Financial
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $803.5M
- Total assets
- 59,731
- Members
- 11.6%
- Net-worth ratio
Smart Financial scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $803.5M; members 59,731; net-worth ratio 11.61%; health rank #3,183 of 4,374; healthier than 26th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,183 of 4,374 health · 2025Q4Smart Financial · health 76/100 · $803.5M · 2025Q4
Call Report peers
Smart Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Smart Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Smart Financial sits in 75-79 with 502 others.
76 26th percentile higher than 26% 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
Smart Financial: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +0.43 pp (11.61% vs 11.18%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -2.38 pp (81.52% vs 83.90%).
Texas standing for Smart Financial
- In Texas, health place is #279 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Smart Financial is #46 of 386 in Texas.
- Texas membership ordinal: #42 of 386.
- One place up in Texas, PECO (#278) ties at 76/100; one place down, 1st University (#280) ties at 76/100.
How Smart Financial's 5300 filing moved
Smart Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $803.5M (2025Q4) to $805.8M (2026Q1).
- Net-worth ratio shifted +0.32 pp (11.29% → 11.61%).
11.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Smart Financial gives up 24 points in total. Delinquency Rate costs the most, 12.2 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.8 pts
- Return on Assets 11.3 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.61% | +0.43 pp |
| Delinquency Rate | 1.96% | +1.08 pp |
| Return on Assets | 0.26% | -0.25 pp |
| Member Growth | -1.32% | - |
| Loan-to-Share Ratio | 81.52% | -2.38 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $805.8M | - |
| 2025Q4 | $803.5M | 59,731 |
| 2024Q4 | $783.4M | 60,531 |
| 2023Q4 | $850.3M | 62,668 |
Credit Union Details
- Charter Number
- 67927
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (12)
Smart Financial operates 12 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Houston, TX |
| Conroe | Conroe, TX |
| Wayside | Houston, TX |
| FM 1960 | Houston, TX |
| Northloop | Houston, TX |
| Lamar | Houston, TX |
| Kingwood | Kingwood, TX |
| Magnolia | Magnolia, TX |
| Pearland | Pearland, TX |
| Spring Marketplace | Spring, TX |
| Woodlands | Spring, TX |
| Sugar Land | 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.
Cross-state Call Report peers for Smart Financial
Similar total assets
Similar health score
Using this data
- Smart Financial ranks #3,183 of 4,374 nationally on financial health and #279 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- INTOUCH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with INTOUCH
Frequently Asked Questions
Is Smart Financial financially healthy?
Smart Financial has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,183 of 4,374 nationally on health and #279 of 386 in Texas. Its net worth ratio is 11.61% and its delinquency rate 1.96%.
How does Smart Financial compare to other credit unions?
Smart Financial scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (11.61% vs 11.18%). Its widest shortfall is loan-to-share ratio (81.52% vs 83.90%).
How can I join Smart Financial?
Membership eligibility for Smart Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Smart Financial directly for current membership requirements and application steps.
Is my money safe at Smart Financial?
Smart Financial is a state-chartered 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. Smart Financial's net worth ratio of 11.61% 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.