TellerScore

Houston Federal Credit Union (NCUA charter #14091) is based in Sugar Land, Texas. Its Q2 2026 call report shows $952.0M in total assets and $850.3M in member shares and deposits and 10 offices across 2 states.

Houston Federal Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 240th. Funding & liquidity contributes the most (98/100, 63% loans-to-deposits, 9% uninsured); earnings contributes the least (37/100, 0.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.88%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.49%
Earnings37/100
Return on assets (annualized): 0.43%
Funding & liquidity98/100
Loans ÷ shares: 62.6% · 9.5% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.52%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 67).

TellerScore
646668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202465
Q4 202467
Q1 202564
Q2 202566
Q3 202566
Q4 202566
Q1 202668
Q2 202667
Net worth ratio
7.00%8.44%9.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.23%
Q3 20249.07%
Q4 20249.59%
Q1 20259.41%
Q2 20259.67%
Q3 20259.66%
Q4 20259.74%
Q1 20269.77%
Q2 20269.88%
Delinquent loans (60+ days)
0.29%0.39%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.32%
Q3 20240.29%
Q4 20240.34%
Q1 20250.45%
Q2 20250.41%
Q3 20250.44%
Q4 20250.48%
Q1 20260.35%
Q2 20260.49%
Return on assets
0.19%0.31%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.37%
Q4 20240.39%
Q1 20250.19%
Q2 20250.33%
Q3 20250.32%
Q4 20250.33%
Q1 20260.43%
Q2 20260.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$952.0M9.88%0.49%0.43%62.6%
Q1 202668$961.8M9.77%0.35%0.43%61.1%
Q4 202566$950.7M9.74%0.48%0.33%62.3%
Q3 202566$952.9M9.66%0.44%0.32%63.7%
Q2 202566$941.2M9.67%0.41%0.33%65.0%
Q1 202564$955.2M9.41%0.45%0.19%64.1%
Q4 202467$939.4M9.59%0.34%0.39%67.7%
Q3 202465$1.0B9.07%0.29%0.37%69.6%
Q2 202465$1.0B9.23%0.32%0.39%70.2%

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 ratio9.88%
26th
Problem loans0.49%
65th
Net charge-offs0.72%
19th
Return on assets0.43%
25th
Loans to deposits62.6%
74th
Uninsured deposits9.5%
19th
Loan-loss reserves0.00%
50th
Texas ratio3.5%
55th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Schlumberger Employees Credit UnionCredit union Sugar Land, TX94 out of 100, Very strong$935.8M25.3%0.57%vs
Community Resource Credit UnionCredit union Baytown, TX75 out of 100, Strong$929.5M11.0%0.47%vs
Greater Texas Federal Credit UnionCredit union Austin, TX54 out of 100, Below average$995.4M7.3%0.53%vs
Texas Bay Credit UnionCredit union Houston, TX53 out of 100, Below average$905.0M7.5%0.55%vs
Southwest Airlines Federal Credit UnionCredit union Dallas, TX69 out of 100, Moderate$860.9M11.5%0.59%vs
Intouch Credit UnionCredit union Plano, TX55 out of 100, Moderate$837.4M8.9%1.38%vs

Deposit insurance

Is my money safe at Houston Federal Credit Union?

Yes. Houston Federal Credit Union is a federally insured credit union (NCUA charter #14091). 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 9.5% of shares and deposits ($80.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.88%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Houston Federal Credit Union lists 10 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Houston Federal Credit Union reported 175 home-loan applications under HMDA (LEI 549300V422J2GUSZPZ35): 85 originated ($18,845,000 total), 42 denied, and 43 withdrawn or closed by the applicant. Its denial rate on decided applications was 31.8%, 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
Houston Federal Credit Union
Type
Federal credit union
NCUA charter #
14091
RSSD ID
580780
Primary regulator
NCUA
Established
1960
Headquarters
16320 Kensington Dr, Sugar Land, TX 77479
Employees
182

Quick answers

Houston Federal Credit Union: common questions

Is Houston Federal Credit Union NCUA insured?

Yes. Houston Federal Credit Union is a federally insured credit union (NCUA charter #14091). 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 Houston Federal Credit Union's TellerScore?

67 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 Houston Federal Credit Union have?

10 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Sugar Land

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
Schlumberger Employees Credit UnionCredit union Sugar Land, TX94 out of 100, Very strong$935.8M25.3%0.57%vs
Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
Kbr Heritage Federal Credit UnionCredit union Houston, TX90 out of 100, Very strong$76.4M22.6%0.39%vs
P.I.E. Credit UnionCredit union Houston, TX88 out of 100, Very strong$11.8M23.9%0.71%vs