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
- CAMELS 86/100
- HEALTH 7.6%
- NW 0.67%
- DELQ 0.21%
- ROA $890.7M
- ASSETS 60,529
- MEM #1,871/4,374
- RANK Day Air
- PHOTO 67465
Call Report peers
Texas Bay in the assets neighbourhood
Texas Bay's $890.7M assets sit next to Day Air ($890.6M) 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.
Texas Bay 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
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
Texas Bay - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67465, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Texas Bay: 2025Q4 → 2026Q1
Texas Bay: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $890.7M (2025Q4) to $902.2M (2026Q1).
- Net-worth ratio shifted -0.05 pp (7.70% → 7.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
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 | $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
Cross-state asset and health neighbours for Texas Bay - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($890.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- 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 Texas Bay financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - Texas Bay's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,871 of 4,374; by total assets it ranks #514 of 4,374 nationally (same basis as /rankings/largest); and #43 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.65% net worth ratio and 0.67% delinquency rate are the key drivers.
How does Texas Bay compare to other credit unions?
Texas Bay scores 86/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like Texas Bay 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. Texas Bay's net worth ratio of 7.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Texas Bay offer compared to banks?
Credit unions like Texas Bay 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 Texas Bay 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.