Credit Union Safety Analysis
Is Harris County Federal Credit Union Safe? Houston, Texas
Based on its Q2 2026 NCUA 5300 call report, Harris County Federal Credit Union has a net worth ratio of 22.91%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.62%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Harris County Federal Credit Union's net worth ratio is 22.91%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 22.91%
- Delinquency ratio (60+ days) (Q2 2026): 1.62%
- Return on assets (Q2 2026): 1.84%
- Loan-to-share ratio (Q2 2026): 64.58%
Harris County Federal Credit Union (NCUA charter 7552, established 1951) reported $223.3M in assets and 20,021 members for Q2 2026 from Houston, Texas. It ranks 97 of 377 credit unions in Texas by total assets. Total assets grew 4.6% from $213.5M on June 30, 2025. It has 444 more members than on June 30, 2025 (+2.3%). Its net worth ratio was up 0.96 percentage points from 21.95% on June 30, 2025. Used vehicle loans are its largest loan category, $29.5M of $109.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.62% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 22.53% for Q1 2026; 21.95% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.65% for Q1 2026; 1.26% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.84% for Q1 2026; 2.79% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 64.76% for Q1 2026; 70.19% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $29.5M
- 1- to 4-family residential and other consumer real estate loans: $28.1M
- New vehicle loans: $19.9M
- Other unsecured loans and lines of credit: $19.4M
- Unsecured credit card loans: $8.3M
- Other secured non-real estate loans and lines of credit: $4.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $223.3M | 22.91% | 1.62% | 1.84% | 64.58% |
| March 31, 2026 | $222.5M | 22.53% | 1.65% | 1.84% | 64.76% |
| December 31, 2025 | $218.0M | 22.53% | 1.63% | 2.11% | 67.23% |
| September 30, 2025 | $215.5M | 22.25% | 1.70% | 0.89% | 69.09% |
| June 30, 2025 | $213.5M | 21.95% | 1.26% | 2.79% | 70.19% |
| March 31, 2025 | $213.2M | 21.57% | 1.27% | 1.93% | 70.96% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Harris County Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 7552) · FFIEC NIC profile (RSSD 311881)
Frequently asked questions
Is Harris County Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Harris County Federal Credit Union's net worth ratio is 22.91%, above the 7% NCUA threshold for well capitalized.
Is Harris County Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Harris County Federal Credit Union is a federally insured credit union (NCUA charter 7552): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Harris County Federal Credit Union's key safety ratios?
For Q2 2026, Harris County Federal Credit Union reports net worth 22.91%, delinquency 1.62%, ROA 1.84%, loan-to-share 64.58%.
What happens to my money if Harris County Federal Credit Union fails?
For Q2 2026, Harris County Federal Credit Union held $169.5M in shares and deposits for 20,021 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.