TellerScore

Harris County Federal Credit Union is a federal credit union headquartered in Houston, Texas, in business for about 75 years. At the end of Q2 2026 it reported $223.3M in total assets and $169.5M in member shares and deposits, with 1 office.

Harris County Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 84th. Capital cushion contributes the most (100/100, 22.91%); loan quality contributes the least (46/100, 1.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.91%
Loan quality46/100
Loans 60+ days delinquent ÷ total loans: 1.62%
Earnings93/100
Return on assets (annualized): 1.84%
Funding & liquidity96/100
Loans ÷ shares: 64.6% · 7.2% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.47%

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 fell 3 points (87 → 84), mostly because the loan quality component weakened by 12 points.

TellerScore
828587Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202485
Q4 202485
Q1 202587
Q2 202587
Q3 202582
Q4 202584
Q1 202684
Q2 202684
Net worth ratio
7.00%14.96%22.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202420.67%
Q3 202421.10%
Q4 202421.57%
Q1 202521.57%
Q2 202521.95%
Q3 202522.25%
Q4 202522.53%
Q1 202622.53%
Q2 202622.91%
Delinquent loans (60+ days)
1.19%1.45%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.23%
Q3 20241.19%
Q4 20241.20%
Q1 20251.27%
Q2 20251.26%
Q3 20251.70%
Q4 20251.63%
Q1 20261.65%
Q2 20261.62%
Return on assets
1.52%1.94%2.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.52%
Q3 20241.64%
Q4 20241.70%
Q1 20251.93%
Q2 20252.36%
Q3 20251.86%
Q4 20251.90%
Q1 20261.84%
Q2 20261.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$223.3M22.91%1.62%1.84%64.6%
Q1 202684$222.5M22.53%1.65%1.84%64.8%
Q4 202584$218.0M22.53%1.63%1.90%67.2%
Q3 202582$215.5M22.25%1.70%1.86%69.1%
Q2 202587$213.5M21.95%1.26%2.36%70.2%
Q1 202587$213.2M21.57%1.27%1.93%71.0%
Q4 202485$208.4M21.57%1.20%1.70%74.0%
Q3 202485$208.5M21.10%1.19%1.64%73.4%
Q2 202483$208.0M20.67%1.23%1.52%73.6%

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 ratio22.91%
99th
Problem loans1.62%
11th
Net charge-offs1.41%
4th
Return on assets1.84%
96th
Loans to deposits64.6%
71st
Uninsured deposits7.2%
37th
Loan-loss reserves0.00%
50th
Texas ratio3.5%
56th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Cal-Com Federal Credit UnionCredit union Port Lavaca, TX83 out of 100, Strong$225.8M12.5%0.09%vs
Texasgulf Federal Credit UnionCredit union Wharton, TX81 out of 100, Strong$220.5M14.3%0.61%vs
H E B Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$218.2M18.3%0.19%vs
The People'S Federal Credit UnionCredit union Amarillo, TX58 out of 100, Moderate$229.0M9.1%1.15%vs
Westex Community Credit UnionCredit union Kermit, TX94 out of 100, Very strong$231.4M15.4%0.63%vs
Santa Fe Federal Credit UnionCredit union Amarillo, TX73 out of 100, Strong$214.8M12.9%0.48%vs

Deposit insurance

Is my money safe at Harris County Federal Credit Union?

Yes. Harris County Federal Credit Union is a federally insured credit union (NCUA charter #7552). 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 7.2% of shares and deposits ($12.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 22.91%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Harris County Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Harris County Federal Credit Union
Type
Federal credit union
NCUA charter #
7552
RSSD ID
311881
Primary regulator
NCUA
Established
1951
Headquarters
1400 Franklin St, Houston, TX 77002
Employees
32

Quick answers

Harris County Federal Credit Union: common questions

Is Harris County Federal Credit Union NCUA insured?

Yes. Harris County Federal Credit Union is a federally insured credit union (NCUA charter #7552). 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 Harris County Federal Credit Union's TellerScore?

84 out of 100 (Strong), 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 Harris County Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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