TellerScore

Headquartered in Houston, Texas, Cy-Fair Federal Credit Union is a federal credit union with $383.5M in total assets and $346.1M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1956.

Cy-Fair Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 256th. Funding & liquidity contributes the most (89/100, 71% loans-to-deposits, 3% uninsured); capital cushion contributes the least (45/100, 9.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.54%
Loan quality58/100
Loans 60+ days delinquent ÷ total loans: 1.26%
Earnings76/100
Return on assets (annualized): 1.39%
Funding & liquidity89/100
Loans ÷ shares: 71.2% · 3.3% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (60 → 65), mostly because the earnings component improved by 36 points.

TellerScore
576368Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202463
Q3 202460
Q4 202460
Q1 202562
Q2 202560
Q3 202562
Q4 202557
Q1 202668
Q2 202665
Net worth ratio
7.00%8.27%9.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.44%
Q3 20249.34%
Q4 20249.19%
Q1 20259.13%
Q2 20259.09%
Q3 20259.11%
Q4 20259.01%
Q1 20269.31%
Q2 20269.54%
Delinquent loans (60+ days)
0.52%0.89%1.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.52%
Q3 20240.77%
Q4 20240.71%
Q1 20250.66%
Q2 20250.77%
Q3 20250.68%
Q4 20251.15%
Q1 20260.97%
Q2 20261.26%
Return on assets
0.34%0.92%1.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.48%
Q3 20240.38%
Q4 20240.34%
Q1 20250.57%
Q2 20250.50%
Q3 20250.51%
Q4 20250.44%
Q1 20261.50%
Q2 20261.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$383.5M9.54%1.26%1.39%71.2%
Q1 202668$387.3M9.31%0.97%1.50%68.9%
Q4 202557$383.5M9.01%1.15%0.44%70.7%
Q3 202562$375.5M9.11%0.68%0.51%72.9%
Q2 202560$368.9M9.09%0.77%0.50%74.4%
Q1 202562$372.9M9.13%0.66%0.57%74.4%
Q4 202460$362.0M9.19%0.71%0.34%77.7%
Q3 202460$356.9M9.34%0.77%0.38%77.6%
Q2 202463$344.7M9.44%0.52%0.48%77.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.54%
21st
Problem loans1.26%
19th
Net charge-offs0.86%
14th
Return on assets1.39%
85th
Loans to deposits71.2%
59th
Uninsured deposits3.3%
79th
Loan-loss reserves0.00%
50th
Texas ratio8.8%
17th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Houston Texas Fire Fighters Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$401.3M14.0%0.38%vs
Pioneer Mutual Federal Credit UnionCredit union Sugar Land, TX77 out of 100, Strong$363.1M11.8%0.32%vs
Mobility Credit UnionCredit union Irving, TX48 out of 100, Below average$357.6M8.0%0.97%vs
McT Credit UnionCredit union Port Neches, TX69 out of 100, Moderate$415.2M10.1%0.29%vs
Gulf Credit UnionCredit union Groves, TX68 out of 100, Moderate$348.6M10.0%0.45%vs
1st Community Federal Credit UnionCredit union San Angelo, TX58 out of 100, Moderate$421.8M13.6%3.73%vs

Deposit insurance

Is my money safe at Cy-Fair Federal Credit Union?

Yes. Cy-Fair Federal Credit Union is a federally insured credit union (NCUA charter #11452). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.3% of shares and deposits ($11.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.54%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Cy-Fair Federal Credit Union lists 5 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cy-Fair Federal Credit Union reported 166 home-loan applications under HMDA (LEI 549300LUMAIOXHIFK142): 140 originated ($15,270,000 total), 13 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Cy-Fair Federal Credit Union
Type
Federal credit union
NCUA charter #
11452
RSSD ID
735580
Primary regulator
NCUA
Established
1956
Headquarters
9601 Jones Rd, Suite 200, Houston, TX 77065
Employees
84

Quick answers

Cy-Fair Federal Credit Union: common questions

Is Cy-Fair Federal Credit Union NCUA insured?

Yes. Cy-Fair Federal Credit Union is a federally insured credit union (NCUA charter #11452). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Cy-Fair Federal Credit Union's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Cy-Fair Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Houston

InstitutionScoreAssetsCapitalProblem loansCompare
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
F a a Federal Credit UnionCredit union Cordova, TN91 out of 100, Very strong$131.1M18.6%0.87%vs
Kbr Heritage Federal Credit UnionCredit union Houston, TX90 out of 100, Very strong$76.4M22.6%0.39%vs