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
- NCUSIF 76/100
- CAMELS 11.6%
- HEALTH 1.96%
- NW 0.26%
- DELQ $803.5M
- ROA 59,731
- ASSETS #3,183/4,374
- MEM National Institutes of Health
- RANK 67927
Call Report peers
Smart Financial in the assets neighbourhood
Smart Financial's $803.5M assets sit next to National Institutes of Health ($804.4M) 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.
Smart Financial 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
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67927: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
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 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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Smart Financial's 5300 filing moved
Smart Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $803.5M (2025Q4) to $805.8M (2026Q1).
- Net-worth ratio shifted +0.32 pp (11.29% → 11.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- 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 |
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).
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
Smart Financial's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($803.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
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
- 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 Smart Financial financially healthy?
A 11.61% net worth ratio and a 1.96% delinquency rate feed into Smart Financial's financial health score of 76/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,183 of 4,374; by total assets it ranks #553 of 4,374 nationally (same basis as /rankings/largest); and #46 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Smart Financial compare to other credit unions?
PlainCU's health composite puts Smart Financial at 76/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Smart Financial 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. Smart Financial's net worth ratio of 11.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Smart Financial offer compared to banks?
Credit unions like Smart Financial 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 Smart Financial 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.