State overview · Q4 2025

Texas Credit Unions

All 386 federally-insured credit unions in Texas, ranked by financial health, from NCUA 5300 Call Reports.

386
Credit unions
11.0M
Members
$169.8B
Combined assets
80/100
Avg health

Health-score distribution

How Texas's 386 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)239 CUsGood (60–79)117 CUsFair (40–59)28 CUsWeak (<40)2 CUs

All Credit Unions in Texas

Credit Union Health
Centex Citizens Mexia 100
Musicians Arlington 100
Neches Port Neches 99
City of Deer Park Deer Park 98
Dallas U.p. Employees Dallas 98
I.b.e.w. Lu 66 PASADENA 98
Pioneer Mutual SUGAR LAND 98
Texans Richardson 98
Abilene Teachers Abilene 97
Capitol Austin 97
Dugood BEAUMONT 97
East Texas Professional Longview 97
Eecu Fort Worth 97
Jafari No-interest Houston 97
Kelly Community Tyler 97
Met Tran Houston 97
Austin Telco Austin 96
Brownsville City Employees BROWNSVILLE 96
Fort Worth City Fort Worth 96
Port of Houston Warehouse Houston 96
Rockdale Rockdale 96
Texan Sky Dumas 96
Texell Temple 96
Windthorst WINDTHORST 96
4u Gainesville 95
Citizens Big Spring 95
Corpus Christi Postal Employees Corpus Christi 95
Eastex Evadale 95
Goodyear San Angelo SAN ANGELO 95
Houston Police Houston 95
Scott and White Employees Temple 95
Shell Deer Park 95
Victoria Teachers Victoria 95
American Airlines Fort Worth 94
B. P. S. Beeville 94
Border Del Rio 94
Brownfield Brownfield 94
Complex Community ODESSA 94
Ila 1351 La Porte 94
Ila 28 Pasadena 94
Lubrizol Employees' Deer Park 94
Lufkin Lufkin 94
Naft Pharr 94
P.i.e. Houston 94
Southland Lufkin 94
Texasgulf Wharton 94
Valley Brownsville 94
Community Resource Baytown 93
Freestone Teague 93
Highway Employees Tyler 93
Laredo Laredo 93
Lone Star Dallas 93
Marshall T & P Employees MARSHALL 93
Midwestern State University Wichita Falls 93
Santa Fe Amarillo 93
Southwest Airlines Dallas 93
Texas Plains Amarillo 93
Texoma Community Wichita Falls 93
Travis County Austin 93
Alliance Lubbock 92
Communities of Abilene Abilene 92
H E B San Antonio 92
Irving City Employees Irving 92
Local 24 Employees Pasadena 92
Mct Port Neches 92
Odessa Employees Odessa 92
Red River Employees Texarkana 92
Service 1st Greenville 92
Southwest Heritage Odessa 92
Starr County Teachers Rio Grande City 92
University AUSTIN 92
Cal-com Port Lavaca 91
Central Texas Teachers Corsicana 91
Cherokee County Rusk 91
Concho Valley San Angelo 91
Datcu DENTON 91
Ellis County Teachers and Employees WAXAHACHIE 91
Fannin BONHAM 91
Gulf Coast Educators Pasadena 91
Hereford Texas Hereford 91
Highway District 9 WACO 91
Matagorda County Bay City 91
Navarro Corsicana 91
Nizari Progressive Sugar Land 91
Postel Family Wichita Falls 91
Sacred Heart Parish Hallettsville Hallettsville 91
San Angelo SAN ANGELO 91
Southwest 66 ODESSA 91
Southwest Research Center San Antonio 91
United Heritage Austin 91
Domino Texarkana 90
First Priority Abilene 90
Fivepoint Nederland 90
Houston Texas Fire Fighters Houston 90
Kerr County Kerrville 90
Liberty County Teachers Liberty 90
One Source EL PASO 90
Temple-inland Diboll 90
Texas Tech Lubbock 90
Txdot Abilene 90
Union Fidelity Houston 90
Westex Community Kermit 90
Allied ARLINGTON 89
American Baptist Association Angleton 89
Angelina County Teachers LUFKIN 89
Baycel BAY CITY 89
Community Service Huntsville 89
Concho Educators SAN ANGELO 89
Covenant Savings Killeen 89
Highway District 2 Fort Worth 89
Houston Highway Houston 89
J.c.t. Edna 89
Jackson County Edna 89
Lehrer Interests GARWOOD 89
Members Trust of the Southwest Houston 89
Morris Sheppard Texarkana TEXARKANA 89
Mtcu Midland 89
Pasadena Municipal Pasadena 89
Rave Financial Beaumont 89
Rio Grande Valley Credit Union Harlingen 89
Temple Santa Fe Community Temple 89
Texas Bridge CORPUS CHRISTI 89
Texas Dps Austin 89
Texhillco School Employees Kerrville 89
Trans Texas Southwest San Angelo 89
Alcon Employees Fort Worth 88
Associated Credit Union of Texas League City 88
Brazos Star College Station 88
First Basin Odessa 88
First Community Houston 88
Firstlight El Paso 88
Genco Waco 88
Harris County Houston 88
Mesquite Mesquite 88
Rally Corpus Christi 88
S.t.e.c. NURSERY 88
Walker County Huntsville 88
Ben E Keith Company Employees Fort Worth 87
Chemcel BISHOP 87
Germania Brenham 87
Members First Corpus Christi 87
Membersource Houston 87
Northeast Panhandle Teachers Perryton 87
Raiz EL PASO 87
Texas Lee Houston 87
Thd District 17 Bryan 87
West Texas Odessa 87
Anderson County Palestine 86
Edinburg Teachers Edinburg 86
Educators WACO 86
Gulf Groves 86
Hockley County Levelland 86
Members Cleburne 86
Mid-tex BROWNWOOD 86
My Haslet 86
My Community Midland 86
Old Ocean Sweeny 86
Port of Houston Houston 86
Refugio County Refugio 86
Scurry County School SNYDER 86
Seagoville Seagoville 86
Texas Trust Mansfield 86
United Energy Humble 86
Victoria City-county Employees Victoria 86
Aspire Lufkin 85
Chocolate Bayou Community Alvin 85
Cy-fair Houston 85
Faith Cooperative Dallas 85
Highway District 21 MCALLEN 85
Laredo Fire Department Laredo 85
Members Choice of Central Texas WACO 85
Members Financial Midland 85
Pecu Austin 85
Texoma Educators SHERMAN 85
United Community Houston 85
Wellspring Bridge City 85
Wichita Falls Teachers Wichita Falls 85
Alba-golden Alba 84
Cochran County Schools MORTON 84
Cosden BIG SPRING 84
Energy Capital Houston 84
Grand Prairie GRAND PRAIRIE 84
Libertyone Arlington 84
South Texas Regional Laredo 84
Swemp TEXARKANA 84
Tarrant County's Credit Union Fort Worth 84
Texar TEXARKANA 84
Wichita Falls Wichita Falls 84
Yantis YANTIS 84
Amplify Austin 83
City Public Service/ibew San Antonio 83
Doches Nacogdoches 83
First Watch Abilene 83
Gecu El Paso 83
Golden Triangle Groves 83
Government Employees Austin 83
Hale County Teachers Plainview 83
Mopac Employees Palestine 83
Randolph-brooks UNIVERSAL CITY 83
Schlumberger Employees Sugar Land 83
Texas Bay Houston 83
Tyler City Employees Tyler 83
Valwood Park Carrollton 83
Vatat Austin 83
Vidor Teachers Vidor 83
Wharton County Teachers Wharton 83
Amarillo Postal Employees AMARILLO 82
Beaumont Community Beaumont 82
Cabot Community Pampa 82
Kbr Heritage HOUSTON 82
Linkage WACO 82
Nspire Sinton 82
Pantex Borger 82
Reeves County Teachers Pecos 82
Sabine Orange 82
Star of Texas austin 82
Trinity Valley Teachers Palestine 82
Baptist San Antonio 81
Big Spring Education Employees BIG SPRING 81
Caprock LAMESA 81
Common Cents Beaumont 81
Greater Central Texas KILLEEN 81
Highway District 19 Employees ATLANTA 81
Investex Humble 81
Memorial Houston 81
Metro Medical Dallas 81
Paris District Paris 81
Skel-tex skellytown 81
Sweetex Longview 81
T & P Longview Longview 81
Federal Employees TEXARKANA 80
Fort Worth Community Bedford 80
Mountain Star El Paso 80
Security First MCALLEN 80
Sherwin Portland 80
Synergy San Antonio 80
U. S. Employees Tomball 80
Waco WACO 80
Yoakum County PLAINS 80
Bcm Houston 79
Coburn Beaumont 79
Corner Stone lancaster 79
Employees United Paris 79
First Service Houston 79
Security Service San Antonio 79
Star Financial Corpus Christi 79
A+ Austin 78
Alpine Community Alpine 78
Fannin County Teachers BONHAM 78
First Central Waco 78
Houston Sugar Land 78
Mclennan County Employees Waco 78
Midland Municipal Employees Midland 78
Primeway Houston 78
Amoco Texas City 77
Cen Tex Manufacturing Brownwood 77
City Dallas 77
Corpus Christi S.p. Corpus Christi 77
Education Amarillo 77
Evolve El Paso 77
Firstmark San Antonio 77
Neighborhood Dallas 77
Port Arthur Community Port Arthur 77
Port Arthur Teachers PORT ARTHUR 77
Texas Community KINGSVILLE 77
1st University Waco 76
Austin AUSTIN 76
Cherokee County Teachers RUSK 76
Generations Community San Antonio 76
Heritage Usa Midland 76
Peco Mineral Wells 76
Smart Financial Houston 76
Telco Plus LONGVIEW 76
The Local Dallas 76
United Texas San Antonio 76
1st Community San Angelo 75
Baylor Health Care System Dallas 75
Beacon La Porte 75
Belton Belton 75
Light Commerce HOUSTON 75
Northeast Texas Teachers Paris 75
Lefors lefors 74
Members Choice Houston 74
Texas Health AUSTIN 74
Velocity Austin 74
America's GARLAND 73
Communityamerica Lenexa 73
Credit Union of Texas Allen 73
Jsc Houston 73
La Joya Area La Joya 73
Member Preferred Fort Worth 73
Pampa Municipal Pampa 73
Plains Plainview 73
Education First Beaumont 72
Mcmurrey TYLER 72
Salt Employees GRAND SALINE 72
W T N M Atlantic DENVER CITY 72
Bp Houston 71
Caprock Santa Fe SLATON 71
Mount Olive Baptist Church Arlington 71
Southern Houston 71
Texas Dow Employees Houston 71
U. S. I. Deer Park 71
E M O T Abilene 70
Shared Resources Pasadena 70
Sweetwater Regional Sweetwater 70
Texas Associations of Professionals San Antonio 70
The People's Amarillo 70
Everman Parkway Fort Worth 69
Greater Texas AUSTIN 69
Lcra Austin 69
Littlefield School Employees Littlefield 69
Texarkana Terminal Employees TEXARKANA 69
Texstar Kenedy 69
Union Pacific Employees Beaumont 69
Advancial Dallas 68
Coastal Community Galveston 68
Coastlife Corpus Christi 68
United Tyler 68
Victoria VICTORIA 68
Andrews School Andrews 67
St. Luke's Community Houston 67
Acfcu Amarillo 66
Gulf Shore Texas City 66
Nce CORPUS CHRISTI 66
Neiman Marcus Group Employees Dallas 66
Priority Trust Houston 66
Unity One Fort Worth 66
Brazos Valley Schools Katy 65
Coastal Bend P O Victoria 65
Credit Human San Antonio 65
Keystone Tyler 65
Local 20 Ibew GRAND PRAIRIE 65
Pampa Teachers Pampa 65
South Texas McALLEN 65
Westex Lubbock 65
Baker Hughes Houston 64
Lifetime Richardson 64
Moore County Schools Dumas 64
Select SAN ANTONIO 64
Intercorp AMARILLO 63
Las Colinas Irving 63
Natural Resources Conservation Serv Fort Worth 63
Oak Cliff Christian Dallas 63
Port Terminal Houston 63
Farmers Branch City Employees FARMERS BRANCH 62
Methodist Hospital Employees Dallas 62
Prestige Community Dallas 62
Tex Mex Laredo 61
Bayou City HOUSTON 60
Brentwood Baptist Church Houston 60
Galveston Government Employees Dickinson 60
Oak Farms Employees HOUSTON 60
Pilgrim Cucc Houston 60
Southern Star Houston 60
Texas People Fort Worth 60
Empowerment Community Development Houston 59
Union Square Wichita Falls 59
Gulf Coast CORPUS CHRISTI 57
Heart O' Texas Waco 57
Rocket McGregor 56
Soarion SAN ANTONIO 56
Cowboy Country PREMONT 55
Del Rio S.p. DEL RIO 55
Reed HOUSTON 55
Intouch PLANO 54
Mobility Credit Union Irving 54
Southwest Financial Farmers Branch 54
Access Community Amarillo 53
Capital Lubbock 53
Resource One Dallas 53
Seminole Public Schools Seminole 53
Frio County Pearsall 52
Pear Orchard Beaumont 52
Brazos Community Alvin 51
Cooperative Teachers Tyler 51
Our Mother of Mercy Parish Houston Houston 51
Redeemer Plano 50
Friona Texas Friona 49
Longview White Oak 47
Houston Belt & Terminal HUMBLE 45
Heritage Hub Houston 44
City AMARILLO 41
Sp Trainmen Houston 40
Alamo City San Antonio 36
River City San Antonio 33

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in Texas

Texas is home to 386 federally-insured credit unions collectively serving 11.0M members with $169.8B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 80/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Centex Citizens of Mexia currently leads the cohort with a health score of 100/100, while the full distribution spans 386 institutions ranked below.

The health distribution breaks into four bands: 239 credit unions score 80–100 (Excellent), 117 score 60–79 (Good), 28 score 40–59 (Fair), and 2 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Texas's 386 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Explore more: Healthiest credit unions · Largest by assets · How health scores work

Frequently Asked Questions

How many credit unions are in Texas?

There are 386 federally-insured credit unions in Texas as of Q4 2025, with a combined 11.0M members and $169.8B in total assets. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Texas?

Based on NCUA Q4 2025 data, Centex Citizens in Mexia ranks highest in Texas with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Read our methodology - how this data is sourced, computed, and verified.