Headquartered in Houston, Texas, Membersource Credit Union is a federally insured state-chartered credit union with $196.5M in total assets and $171.4M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1958.
Based on its Q2 2026 filing, Membersource Credit Union scores 70/100, which we describe as strong. That is higher than 51% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 215th. Its strongest component is problem-loan coverage (95/100; 2.3%), and its lowest is earnings (25/100; 0.14%).
TellerScore · Q2 2026
Scorecard
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 6 points (76 → 70), mostly because the earnings component weakened by 44 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 66 |
| Q4 2024 | 65 |
| Q1 2025 | 68 |
| Q2 2025 | 76 |
| Q3 2025 | 74 |
| Q4 2025 | 71 |
| Q1 2026 | 67 |
| Q2 2026 | 70 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.54% |
| Q3 2024 | 11.72% |
| Q4 2024 | 12.00% |
| Q1 2025 | 11.69% |
| Q2 2025 | 12.04% |
| Q3 2025 | 12.11% |
| Q4 2025 | 12.13% |
| Q1 2026 | 11.84% |
| Q2 2026 | 12.45% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.52% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.57% |
| Q3 2025 | 0.46% |
| Q4 2025 | 0.56% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.40% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | -0.16% |
| Q4 2024 | -0.18% |
| Q1 2025 | -0.12% |
| Q2 2025 | 1.23% |
| Q3 2025 | 0.70% |
| Q4 2025 | 0.49% |
| Q1 2026 | -0.02% |
| Q2 2026 | 0.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $196.5M | 12.45% | 0.40% | 0.14% | 83.8% |
| Q1 2026 | 67 | $205.4M | 11.84% | 0.45% | -0.02% | 78.6% |
| Q4 2025 | 71 | $200.6M | 12.13% | 0.56% | 0.49% | 80.0% |
| Q3 2025 | 74 | $202.0M | 12.11% | 0.46% | 0.70% | 79.1% |
| Q2 2025 | 76 | $204.7M | 12.04% | 0.57% | 1.23% | 80.0% |
| Q1 2025 | 68 | $184.4M | 11.69% | 0.29% | -0.12% | 78.5% |
| Q4 2024 | 65 | $180.1M | 12.00% | 0.52% | -0.18% | 83.4% |
| Q3 2024 | 66 | $185.6M | 11.72% | 0.38% | -0.16% | 83.3% |
| Q2 2024 | 63 | $208.5M | 10.54% | 0.45% | 0.00% | 83.1% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Central Credit UnionCredit union Waco, TX | 76 out of 100, Strong | $191.7M | 16.4% | 1.95% | vs |
| Priority Trust Credit UnionCredit union Houston, TX | 60 out of 100, Moderate | $191.4M | 9.4% | 0.39% | vs |
| Citizens Federal Credit UnionCredit union Big Spring, TX | 90 out of 100, Very strong | $201.9M | 14.6% | 0.13% | vs |
| Kelly Community Federal Credit UnionCredit union Tyler, TX | 75 out of 100, Strong | $189.4M | 12.6% | 0.82% | vs |
| Government Employees Federal Credit UnionCredit union Austin, TX | 72 out of 100, Strong | $189.4M | 10.7% | 0.83% | vs |
| Lone Star Credit UnionCredit union Dallas, TX | 65 out of 100, Moderate | $188.3M | 8.9% | 0.25% | vs |
Deposit insurance
Is my money safe at Membersource Credit Union?
Yes. Membersource Credit Union is a federally insured credit union (NCUA charter #68440). 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 8.0% of shares and deposits ($13.6M) 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 12.45%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Membersource Credit Union lists 4 offices in 2 cities. Most locations:
- Houston, TX (3)
- Sugar Land, TX (1)
Identity & history
Profile
- Legal name
- Membersource Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68440
- RSSD ID
- 811091
- Primary regulator
- State + NCUA
- Established
- 1958
- Headquarters
- 10100 Richmond Ave, Houston, TX 77042
- Employees
- 55
Quick answers
Membersource Credit Union: common questions
Is Membersource Credit Union NCUA insured?
Yes. Membersource Credit Union is a federally insured credit union (NCUA charter #68440). 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 Membersource Credit Union's TellerScore?
70 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 Membersource Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Houston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| Schlumberger Employees Credit UnionCredit union Sugar Land, TX | 94 out of 100, Very strong | $935.8M | 25.3% | 0.57% | vs |
| Ila 1351 Federal Credit UnionCredit union La Porte, TX | 92 out of 100, Very strong | $17.3M | 17.0% | 0.00% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| F a a Federal Credit UnionCredit union Cordova, TN | 91 out of 100, Very strong | $131.1M | 18.6% | 0.87% | vs |