First Community Credit Union Houston, Texas
First Community Credit Union is a state-chartered credit union headquartered in Houston, TX, established in 1954 (NCUA charter 66818), and it is regulated and insured by the NCUA. At Q2 2026 it reported 189,781 members and total assets of $3.07B (up 15.4% from Q2 2025), the 10th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 7.98% at Q2 2026, in the well capitalized band.
Also written as First Community CU
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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
- 66818
- Headquarters
- Houston, TX
- Established
- 1954
- Total assets, Q2 2026
- $3.07B
- Assets vs Q2 2025
- +15.4%
- Members, Q2 2026
- 189,781
- Net worth ratio, Q2 2026
- 7.98%
- Latest call report
- Q2 2026, NCUA 5300 · First Community Credit Union call report
- Asset rank in state
- 10th of 377 in Texas
- Routing number
- 313084674
- Branches
- 14
It has 18,477 more members than on June 30, 2025 (+10.8%). Its net worth ratio was down 0.56 percentage points from 8.54% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $679.8M of $2.40B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.39% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 7.98% net worth ratio is below that band's 10.89% median.
Credit unions merged into First Community Credit Union
Frequently asked about First Community Credit Union
How big is First Community Credit Union?
At Q2 2026 it reported total assets of $3.07B and 189,781 members.
Where is First Community Credit Union headquartered?
It is headquartered in Houston, TX, United States.
When was First Community Credit Union founded?
It was established in 1954, per NCUA records.
Is First Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66818): 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 First Community 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 First Community Credit Union well capitalized?
Its net worth ratio was 7.98% 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 First Community Credit Union's delinquency ratio?
Its delinquency ratio was 0.39% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is First Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 118.40% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Houston, TX 77095
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 66818
- RSSD ID
- 794194
- Members
- 189,781
- Potential members
- 7,500,000
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 1 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% | 7.98% | 10.89% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.83% | 0.89% | 46th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 10.46% | 8.07% | 71st above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.63% | 3.45% | 63rd above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 71.03% | 70.59% | 48th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.86% | 1.68% | 35th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.39% | 0.68% | 81st top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.50% | 5.12% | 77th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 118.40% | 88.03% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.07B total assets against $2.66B; $2.03B total shares and deposits against $2.01B; $2.40B total loans against $2.05B.
$245.4M net worth against $227.9M.
7.98% net worth ratio against 8.54%.
118.40% loan-to-share ratio against 101.82%.
0.39% delinquency ratio against 0.60%.
0.83% return on assets against 1.65%; 10.46% return on equity against 19.24%.
3.63% net interest margin against 3.00%.
189,781 members against 171,304.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 7.98% | 0.83% | 0.39% | 118.40% |
| March 31, 2026 | 8.09% | 0.90% | 0.40% | 108.75% |
| December 31, 2025 | 7.81% | 0.44% | 0.48% | 101.56% |
| September 30, 2025 | 8.05% | 0.50% | 0.58% | 111.42% |
| June 30, 2025 | 8.54% | 1.65% | 0.60% | 101.82% |
| March 31, 2025 | 7.91% | 0.02% | 0.53% | 105.81% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.