Brazos Valley Schools Credit Union Katy, Texas
Brazos Valley Schools Credit Union is a state-chartered credit union headquartered in Katy, TX, established in 1954 (NCUA charter 66353), and it is regulated and insured by the NCUA. At Q2 2026 it reported 64,531 members and total assets of $1.05B (up 5.7% from Q2 2025), the 37th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 10.63% at Q2 2026, in the well capitalized band.
Also written as Brazos Valley Schools CU
BankRegReports is independent of Brazos Valley Schools Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66353
- Headquarters
- Katy, TX
- Established
- 1954
- Total assets, Q2 2026
- $1.05B
- Assets vs Q2 2025
- +5.7%
- Members, Q2 2026
- 64,531
- Net worth ratio, Q2 2026
- 10.63%
- Latest call report
- Q2 2026, NCUA 5300 · Brazos Valley Schools Credit Union call report
- Asset rank in state
- 37th of 377 in Texas
- Routing number
- 313085288
- Branches
- 13
It has 493 more members than on June 30, 2025 (+0.8%). Its net worth ratio was up 0.43 percentage points from 10.20% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $198.0M of $432.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.32% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.63% net worth ratio is below that band's 10.89% median.
Frequently asked about Brazos Valley Schools Credit Union
How big is Brazos Valley Schools Credit Union?
At Q2 2026 it reported total assets of $1.05B and 64,531 members.
Where is Brazos Valley Schools Credit Union headquartered?
It is headquartered in Katy, TX, United States.
When was Brazos Valley Schools Credit Union founded?
It was established in 1954, per NCUA records.
Is Brazos Valley Schools Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66353): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Brazos Valley Schools Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Brazos Valley Schools Credit Union well capitalized?
Its net worth ratio was 10.63% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Brazos Valley Schools Credit Union's delinquency ratio?
Its delinquency ratio was 1.32% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Brazos Valley Schools Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 46.60% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Katy, TX 77494
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 66353
- RSSD ID
- 497392
- Members
- 64,531
- Potential members
- 850,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.63% | 10.89% | 44th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.21% | 0.89% | 72nd above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 11.39% | 8.07% | 78th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.41% | 3.45% | 47th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 68.04% | 70.59% | 59th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.09% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.32% | 0.68% | 16th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.49% | 5.12% | 15th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 46.60% | 88.03% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.05B total assets against $990.6M; $928.9M total shares and deposits against $882.9M; $432.9M total loans against $436.9M.
$111.3M net worth against $101.1M.
10.63% net worth ratio against 10.20%.
46.60% loan-to-share ratio against 49.49%.
1.32% delinquency ratio against 0.94%.
1.21% return on assets against 0.92%; 11.39% return on equity against 8.99%.
3.41% net interest margin against 3.21%.
64,531 members against 64,038.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.63% | 1.21% | 1.32% | 46.60% |
| March 31, 2026 | 10.42% | 1.00% | 0.77% | 46.26% |
| December 31, 2025 | 10.36% | 1.09% | 1.10% | 48.22% |
| September 30, 2025 | 10.41% | 0.98% | 1.08% | 49.70% |
| June 30, 2025 | 10.20% | 0.92% | 0.94% | 49.49% |
| March 31, 2025 | 9.91% | 1.43% | 0.47% | 48.54% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.