State credit union · Houston, Texas · NCUA charter #67465
Texas Bay
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $890.7M
- Total assets
- 60,529
- Members
- 7.6%
- Net-worth ratio
Texas Bay scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $890.7M; members 60,529; net-worth ratio 7.65%; health rank #1,871 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,871 of 4,374 health · 2025Q4Texas Bay · health 86/100 · $890.7M · 2025Q4
Call Report peers
Texas Bay in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Texas Bay vs every NCUA-scored credit union
Texas Bay sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
Peer-gap read for Texas Bay
- Loan-to-Share Ratio leads the peer set - 91.86% here, 83.90% peer average (+7.96 pp).
- Largest lag: Net Worth Ratio at 7.65% vs peer 11.18% (-3.53 pp).
Texas Bay: in-state Call Report ranks
- In Texas, health place is #171 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #43 of 386.
- Texas membership ordinal: #39 of 386.
- One place up in Texas, Tarrant County's Credit Union (#170) ties at 86/100; one place down, Faith Cooperative (#172) scores 85/100, 1 point lower.
Texas Bay: 2025Q4 → 2026Q1
Texas Bay: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $890.7M (2025Q4) to $902.2M (2026Q1).
- Net-worth ratio shifted -0.05 pp (7.70% → 7.65%).
7.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Texas Bay gives up 14 points in total. Net Worth Ratio costs the most, 5.9 of its 30; Loan-to-Share Ratio loses the least, 0.8.
- Net Worth Ratio 24.1 pts
- Delinquency Rate 23.3 pts
- Return on Assets 10.6 pts
- Member Growth 13.6 pts
- Loan-to-Share Ratio 14.4 pts
Texas Bay health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.65% | -3.53 pp |
| Delinquency Rate | 0.67% | -0.21 pp |
| Return on Assets | 0.21% | -0.30 pp |
| Member Growth | 3.81% | - |
| Loan-to-Share Ratio | 91.86% | +7.96 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $902.2M | - |
| 2025Q4 | $890.7M | 60,529 |
| 2024Q4 | $854.2M | 58,306 |
| 2023Q4 | $707.1M | 56,566 |
Credit Union Details
- Charter Number
- 67465
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (10)
The NCUA branch filing lists 10 physical offices for Texas Bay, spread across 7 cities.
| Office | City |
|---|---|
| Main (Main Office) | Houston, TX |
| Cypress | Cypress, TX |
| Summerwood | Houston, TX |
| North Shore New | Houston, TX |
| Featherwood | Houston, TX |
| Katy | Katy, TX |
| South Shore | League City, TX |
| Pasadena | Pasadena, TX |
| Pearland | Pearland, TX |
| Richmond | Richmond, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Other-state peers near Texas Bay
Using this data
- Texas Bay ranks #1,871 of 4,374 nationally on financial health and #171 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Schlumberger Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Schlumberger Employees
Frequently Asked Questions
Is Texas Bay financially healthy?
Texas Bay has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,871 of 4,374 nationally on health and #171 of 386 in Texas. Its net worth ratio is 7.65% and its delinquency rate 0.67%.
How does Texas Bay compare to other credit unions?
Texas Bay scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.86% vs 83.90%). Its widest shortfall is net worth ratio (7.65% vs 11.18%).
How can I join Texas Bay?
Membership eligibility for Texas Bay depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Texas Bay directly for current membership requirements and application steps.
Is my money safe at Texas Bay?
Texas Bay 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. Texas Bay's net worth ratio of 7.65% 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.