TellerScore

Smart Financial Credit Union is a federally insured state-chartered credit union headquartered in Houston, Texas, in business for about 92 years. At the end of Q2 2026 it reported $807.5M in total assets and $700.6M in member shares and deposits, with 7 offices.

Smart Financial Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 48% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 221st. Problem-loan coverage contributes the most (82/100, 8.9%); loan quality contributes the least (61/100, 1.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.84%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.16%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity77/100
Loans ÷ shares: 83.7% · 2.8% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.91%

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 7 points (62 → 69), mostly because the earnings component improved by 22 points.

TellerScore
526272Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202457
Q4 202452
Q1 202563
Q2 202562
Q3 202559
Q4 202558
Q1 202672
Q2 202669
Net worth ratio
7.00%9.42%11.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.86%
Q3 202410.14%
Q4 202410.75%
Q1 202510.68%
Q2 202510.82%
Q3 202511.04%
Q4 202511.29%
Q1 202611.61%
Q2 202611.84%
Delinquent loans (60+ days)
0.81%1.38%1.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.81%
Q3 20241.28%
Q4 20241.86%
Q1 20251.20%
Q2 20251.20%
Q3 20251.58%
Q4 20251.96%
Q1 20261.00%
Q2 20261.16%
Return on assets
0.23%0.81%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 20240.39%
Q4 20240.26%
Q1 20250.73%
Q2 20250.65%
Q3 20250.70%
Q4 20250.93%
Q1 20261.40%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$807.5M11.84%1.16%1.20%83.7%
Q1 202672$805.8M11.61%1.00%1.40%83.3%
Q4 202558$803.5M11.29%1.96%0.93%81.5%
Q3 202559$800.6M11.04%1.58%0.70%81.4%
Q2 202562$802.3M10.82%1.20%0.65%81.3%
Q1 202563$802.2M10.68%1.20%0.73%78.2%
Q4 202452$783.4M10.75%1.86%0.26%80.2%
Q3 202457$843.7M10.14%1.28%0.39%77.3%
Q2 202459$852.8M9.86%0.81%0.23%76.3%

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 ratio11.84%
56th
Problem loans1.16%
23rd
Net charge-offs0.54%
32nd
Return on assets1.20%
78th
Loans to deposits83.7%
32nd
Uninsured deposits2.8%
84th
Loan-loss reserves0.00%
50th
Texas ratio8.9%
16th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texell Credit UnionCredit union Temple, TX70 out of 100, Strong$801.0M10.5%0.60%vs
Complex Community Federal Credit UnionCredit union Odessa, TX85 out of 100, Very strong$818.2M13.8%0.59%vs
Intouch Credit UnionCredit union Plano, TX55 out of 100, Moderate$837.4M8.9%1.38%vs
Southwest Airlines Federal Credit UnionCredit union Dallas, TX69 out of 100, Moderate$860.9M11.5%0.59%vs
Primeway Federal Credit UnionCredit union Houston, TX60 out of 100, Moderate$735.7M12.8%1.33%vs
Generations Community Federal Credit UnionCredit union San Antonio, TX57 out of 100, Moderate$734.6M9.3%0.88%vs

Deposit insurance

Is my money safe at Smart Financial Credit Union?

Yes. Smart Financial Credit Union is a federally insured credit union (NCUA charter #67927). 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 2.8% of shares and deposits ($19.6M) 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 11.84%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Smart Financial Credit Union lists 7 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Smart Financial Credit Union reported 367 home-loan applications under HMDA (LEI 549300Z54IIB4Q3AKI90): 179 originated ($41,035,000 total), 129 denied, and 53 withdrawn or closed by the applicant. Its denial rate on decided applications was 41.1%, 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
Smart Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67927
RSSD ID
787691
Primary regulator
State + NCUA
Established
1934
Headquarters
PO Box 920719, Houston, TX 77292
Employees
195

Quick answers

Smart Financial Credit Union: common questions

Is Smart Financial Credit Union NCUA insured?

Yes. Smart Financial Credit Union is a federally insured credit union (NCUA charter #67927). 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 Smart Financial Credit Union's TellerScore?

69 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 Smart Financial Credit Union have?

7 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
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
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
F a a Federal Credit UnionCredit union Cordova, TN91 out of 100, Very strong$131.1M18.6%0.87%vs