TellerScore

Houston Texas Fire Fighters Federal Credit Union (NCUA charter #258) is based in Houston, Texas. Its Q2 2026 call report shows $401.3M in total assets and $340.3M in member shares and deposits and 3 offices.

Houston Texas Fire Fighters 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 83rd. Funding & liquidity contributes the most (100/100, 50% loans-to-deposits, 8% uninsured); earnings contributes the least (53/100, 0.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion90/100
Net worth ratio: 14.02%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.38%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity100/100
Loans ÷ shares: 49.7% · 7.5% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.25%

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 4 points (80 → 84), mostly because the capital cushion component improved by 9 points.

TellerScore
798387Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202481
Q4 202479
Q1 202583
Q2 202580
Q3 202584
Q4 202583
Q1 202682
Q2 202684
Net worth ratio
7.00%10.84%14.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.68%
Q3 202412.04%
Q4 202412.50%
Q1 202512.74%
Q2 202513.07%
Q3 202513.63%
Q4 202513.83%
Q1 202613.80%
Q2 202614.02%
Delinquent loans (60+ days)
0.16%0.30%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.16%
Q4 20240.40%
Q1 20250.20%
Q2 20250.33%
Q3 20250.21%
Q4 20250.44%
Q1 20260.45%
Q2 20260.38%
Return on assets
0.63%0.79%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.92%
Q4 20240.80%
Q1 20250.95%
Q2 20250.63%
Q3 20250.77%
Q4 20250.80%
Q1 20260.74%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$401.3M14.02%0.38%0.83%49.7%
Q1 202682$401.2M13.80%0.45%0.74%49.1%
Q4 202583$395.0M13.83%0.44%0.80%50.3%
Q3 202584$394.5M13.63%0.21%0.77%50.0%
Q2 202580$403.6M13.07%0.33%0.63%48.3%
Q1 202583$412.2M12.74%0.20%0.95%47.1%
Q4 202479$412.3M12.50%0.40%0.80%47.2%
Q3 202481$425.2M12.04%0.16%0.92%45.2%
Q2 202487$337.8M14.68%0.20%0.79%62.1%

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 ratio14.02%
79th
Problem loans0.38%
75th
Net charge-offs0.25%
63rd
Return on assets0.83%
56th
Loans to deposits49.7%
90th
Uninsured deposits7.5%
34th
Loan-loss reserves0.00%
50th
Texas ratio1.3%
86th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
McT Credit UnionCredit union Port Neches, TX69 out of 100, Moderate$415.2M10.1%0.29%vs
Cy-Fair Federal Credit UnionCredit union Houston, TX65 out of 100, Moderate$383.5M9.5%1.26%vs
1st Community Federal Credit UnionCredit union San Angelo, TX58 out of 100, Moderate$421.8M13.6%3.73%vs
America'S Credit UnionCredit union Garland, TX76 out of 100, Strong$427.6M15.0%0.59%vs
Pecu Credit UnionCredit union Austin, TX86 out of 100, Very strong$431.4M14.8%0.47%vs
Pioneer Mutual Federal Credit UnionCredit union Sugar Land, TX77 out of 100, Strong$363.1M11.8%0.32%vs

Deposit insurance

Is my money safe at Houston Texas Fire Fighters Federal Credit Union?

Yes. Houston Texas Fire Fighters Federal Credit Union is a federally insured credit union (NCUA charter #258). 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 7.5% of shares and deposits ($25.7M) 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 14.02%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Houston Texas Fire Fighters Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Houston Texas Fire Fighters Federal Credit Union
Type
Federal credit union
NCUA charter #
258
RSSD ID
27678
Primary regulator
NCUA
Established
1935
Headquarters
PO Box 70009, Houston, TX 77270
Employees
59

Quick answers

Houston Texas Fire Fighters Federal Credit Union: common questions

Is Houston Texas Fire Fighters Federal Credit Union NCUA insured?

Yes. Houston Texas Fire Fighters Federal Credit Union is a federally insured credit union (NCUA charter #258). 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 Texas Fire Fighters 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 Houston Texas Fire Fighters Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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