Headquartered in Houston, Texas, Texas Bay Credit Union is a federally insured state-chartered credit union with $905.0M in total assets and $763.5M in member shares and deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1936.
Based on its Q2 2026 filing, Texas Bay Credit Union scores 53/100, which we describe as below average. That is higher than only 9% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 340th. Its strongest component is problem-loan coverage (87/100; 6.6%), and its lowest is capital cushion (25/100; 7.49%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (53 → 53).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 49 |
| Q4 2024 | 51 |
| Q1 2025 | 52 |
| Q2 2025 | 53 |
| Q3 2025 | 52 |
| Q4 2025 | 55 |
| Q1 2026 | 52 |
| Q2 2026 | 53 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.49% |
| Q3 2024 | 7.94% |
| Q4 2024 | 8.43% |
| Q1 2025 | 7.71% |
| Q2 2025 | 7.57% |
| Q3 2025 | 7.57% |
| Q4 2025 | 7.70% |
| Q1 2026 | 7.65% |
| Q2 2026 | 7.49% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 0.96% |
| Q4 2024 | 1.08% |
| Q1 2025 | 0.89% |
| Q2 2025 | 0.79% |
| Q3 2025 | 0.87% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.55% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.14% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.52% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.66% |
| Q1 2026 | 0.17% |
| Q2 2026 | 0.27% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $905.0M | 7.49% | 0.55% | 0.27% | 93.1% |
| Q1 2026 | 52 | $902.2M | 7.65% | 0.64% | 0.17% | 89.9% |
| Q4 2025 | 55 | $890.7M | 7.70% | 0.67% | 0.66% | 91.9% |
| Q3 2025 | 52 | $874.9M | 7.57% | 0.87% | 0.52% | 94.1% |
| Q2 2025 | 53 | $873.5M | 7.57% | 0.79% | 0.52% | 91.2% |
| Q1 2025 | 52 | $869.3M | 7.71% | 0.89% | 0.47% | 88.0% |
| Q4 2024 | 51 | $854.2M | 8.43% | 1.08% | 0.22% | 86.9% |
| Q3 2024 | 49 | $841.5M | 7.94% | 0.96% | 0.05% | 86.4% |
| Q2 2024 | 49 | $801.6M | 8.49% | 1.01% | -0.14% | 88.2% |
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community Resource Credit UnionCredit union Baytown, TX | 75 out of 100, Strong | $929.5M | 11.0% | 0.47% | vs |
| Schlumberger Employees Credit UnionCredit union Sugar Land, TX | 94 out of 100, Very strong | $935.8M | 25.3% | 0.57% | vs |
| Southwest Airlines Federal Credit UnionCredit union Dallas, TX | 69 out of 100, Moderate | $860.9M | 11.5% | 0.59% | vs |
| Houston Federal Credit UnionCredit union Sugar Land, TX | 67 out of 100, Moderate | $952.0M | 9.9% | 0.49% | vs |
| Intouch Credit UnionCredit union Plano, TX | 55 out of 100, Moderate | $837.4M | 8.9% | 1.38% | vs |
| Complex Community Federal Credit UnionCredit union Odessa, TX | 85 out of 100, Very strong | $818.2M | 13.8% | 0.59% | vs |
Deposit insurance
Is my money safe at Texas Bay Credit Union?
Yes. Texas Bay Credit Union is a federally insured credit union (NCUA charter #67465). 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 ($61.1M) 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 7.49%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
10 locations
Branches
Texas Bay Credit Union lists 10 offices in 7 cities. Most locations:
- Houston, TX (4)
- Cypress, TX (1)
- Katy, TX (1)
- League City, TX (1)
- Pasadena, TX (1)
- Pearland, TX (1)
- Richmond, TX (1)
Identity & history
Profile
- Legal name
- Texas Bay Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67465
- RSSD ID
- 720791
- Primary regulator
- State + NCUA
- Established
- 1936
- Headquarters
- 12611 Fuqua St, Houston, TX 77034
- Employees
- 185
Quick answers
Texas Bay Credit Union: common questions
Is Texas Bay Credit Union NCUA insured?
Yes. Texas Bay Credit Union is a federally insured credit union (NCUA charter #67465). 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 Texas Bay Credit Union's TellerScore?
53 out of 100 (Below average), 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 Texas Bay Credit Union have?
10 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 |
|---|---|---|---|---|---|
| Local 24 Employees Federal Credit UnionCredit union Pasadena, TX | 98 out of 100, Very strong | $13.6M | 21.0% | 0.26% | vs |
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| Ila 1351 Federal Credit UnionCredit union La Porte, TX | 92 out of 100, Very strong | $17.3M | 17.0% | 0.00% | vs |
| City of Deer Park Federal Credit UnionCredit union Deer Park, TX | 92 out of 100, Very strong | $7.3M | 21.7% | 0.01% | vs |
| Kbr Heritage Federal Credit UnionCredit union Houston, TX | 90 out of 100, Very strong | $76.4M | 22.6% | 0.39% | vs |