First Service Credit Union Houston, Texas
First Service Credit Union is a state-chartered credit union headquartered in Houston, TX, established in 1977 (NCUA charter 68605), and it is regulated and insured by the NCUA. At Q2 2026 it reported 108,888 members and total assets of $1.50B (up 5.4% from Q2 2025), the 23rd largest of 377 credit unions headquartered in Texas. Its net worth ratio was 10.94% at Q2 2026, in the well capitalized band.
Also written as First Service CU · Trade names filed with the NCUA: Origins, FSCU, First Service and eCU Technology
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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
- 68605
- Headquarters
- Houston, TX
- Established
- 1977
- Total assets, Q2 2026
- $1.50B
- Assets vs Q2 2025
- +5.4%
- Members, Q2 2026
- 108,888
- Net worth ratio, Q2 2026
- 10.94%
- Latest call report
- Q2 2026, NCUA 5300 · First Service Credit Union call report
- Asset rank in state
- 23rd of 377 in Texas
- Routing number
- 313090561
- Branches
- 14
It has 5,895 more members than on June 30, 2025 (+5.7%). Its net worth ratio was down 0.12 percentage points from 11.06% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $453.1M of $1.19B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.62% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.94% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Texas
Credit unions merged into First Service Credit Union
Spco Credit Union (2024) · People's Trust Federal Credit Union (2022)
Frequently asked about First Service Credit Union
How big is First Service Credit Union?
At Q2 2026 it reported total assets of $1.50B and 108,888 members.
Where is First Service Credit Union headquartered?
It is headquartered in Houston, TX, United States.
When was First Service Credit Union founded?
It was established in 1977, per NCUA records.
Is First Service Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68605): 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 Service 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 Service Credit Union well capitalized?
Its net worth ratio was 10.94% 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 Service Credit Union's delinquency ratio?
Its delinquency ratio was 0.62% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is First Service Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 93.23% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Houston, TX 77064
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1977
- NCUA Charter #
- 68605
- RSSD ID
- 650889
- Members
- 108,888
- Potential members
- 8,173,200
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.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.94% | 10.89% | 51st above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.73% | 0.89% | 37th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 6.71% | 8.07% | 37th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.97% | 3.45% | 82nd top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 76.67% | 70.59% | 27th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.52% | 1.68% | 63rd above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.62% | 0.68% | 56th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.49% | 5.12% | 77th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 93.23% | 88.03% | 68th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.50B total assets against $1.42B; $1.27B total shares and deposits against $1.23B; $1.19B total loans against $1.10B.
$163.8M net worth against $157.2M.
10.94% net worth ratio against 11.06%.
93.23% loan-to-share ratio against 88.92%.
0.62% delinquency ratio against 0.78%.
0.73% return on assets against 0.22%; 6.71% return on equity against 2.01%.
3.97% net interest margin against 3.76%.
108,888 members against 102,993.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.94% | 0.73% | 0.62% | 93.23% |
| March 31, 2026 | 10.90% | 0.24% | 0.53% | 89.09% |
| December 31, 2025 | 10.92% | 0.46% | 0.57% | 91.36% |
| September 30, 2025 | 11.11% | 0.46% | 0.72% | 90.22% |
| June 30, 2025 | 11.06% | 0.22% | 0.78% | 88.92% |
| March 31, 2025 | 11.08% | 0.58% | 0.85% | 86.51% |
Scroll sideways to see every column.
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.