Federal credit union · Houston, Texas · NCUA charter #15049
Union Fidelity
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $27.4M
- Total assets
- 5,789
- Members
- 19.8%
- Net-worth ratio
Union Fidelity scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.4M; members 5,789; net-worth ratio 19.75%; health rank #1,036 of 4,374; healthier than 73rd of scored peers.
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NCUA 5300 Call Report Masthead
#1,036 of 4,374 health · 2025Q4Union Fidelity · health 90/100 · $27.4M · 2025Q4
Call Report peers
Union Fidelity in the assets neighbourhood
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Union Fidelity vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Union Fidelity sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Union Fidelity diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 78.24% vs peer 59.80% (+18.44 pp).
- Delinquency Rate trails the peer set - 1.66% here, 1.15% peer average (+0.52 pp).
Union Fidelity in Texas
- Health composite ranks #98 of 386 among scored Texas credit unions.
- Texas assets place: #234 of 386.
- Member book place in Texas: #163 of 386.
- One place up in Texas, Members Trust of the Southwest (#97) scores 91/100, 1 point higher; one place down, TEMPLE-INLAND (#99) ties at 90/100.
Quarter path for Union Fidelity
Union Fidelity: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $27.4M (2025Q4) to $28.1M (2026Q1).
- Net-worth ratio shifted -0.20 pp (19.95% → 19.75%).
This credit union's 19.75% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Union Fidelity gives up 10 points in total. Delinquency Rate costs the most, 10 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Union Fidelity
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.75% | +4.89 pp |
| Delinquency Rate | 1.66% | +0.52 pp |
| Return on Assets | 1.43% | +0.72 pp |
| Member Growth | 11.43% | - |
| Loan-to-Share Ratio | 78.24% | +18.44 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Union Fidelity
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.1M | - |
| 2025Q4 | $27.4M | 5,789 |
| 2024Q4 | $24.8M | 5,195 |
| 2023Q4 | $24.2M | 5,130 |
Credit Union Details
- Charter Number
- 15049
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Union Fidelity.
| Office | City |
|---|---|
| Union Fidelity FCU (Main Office) | Houston, TX |
| Members Trust of the SW CU | Houston, 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.
Other-state peers near Union Fidelity
Using this data
- Union Fidelity ranks #1,036 of 4,374 nationally on financial health and #98 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gulf Shore is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gulf Shore
Frequently Asked Questions
Is Union Fidelity financially healthy?
On its 2025Q4 NCUA 5300 filing, Union Fidelity scores 90/100 (Excellent), with a 19.75% net worth ratio and 1.66% of loans delinquent. It ranks #1,036 of 4,374 nationally on health and #98 of 386 in Texas.
How does Union Fidelity compare to other credit unions?
Union Fidelity scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (78.24% vs 59.80%). Its widest shortfall is delinquency rate (1.66% vs 1.15%).
How can I join Union Fidelity?
Union Fidelity operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Union Fidelity directly for the exact boundaries and application steps.
Is my money safe at Union Fidelity?
Union Fidelity is a federal 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. Union Fidelity's net worth ratio of 19.75% 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.