Houston Federal Credit Union Sugar Land, Texas
Houston Federal Credit Union is a federal credit union headquartered in Sugar Land, TX, established in 1960 (NCUA charter 14091), and it is regulated and insured by the NCUA. At Q2 2026 it reported 59,544 members and total assets of $952.0M (up 1.1% from Q2 2025), the 40th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 9.88% at Q2 2026, in the well capitalized band.
Also written as Houston FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 14091
- Headquarters
- Sugar Land, TX
- Established
- 1960
- Total assets, Q2 2026
- $952.0M
- Assets vs Q2 2025
- +1.1%
- Members, Q2 2026
- 59,544
- Net worth ratio, Q2 2026
- 9.88%
- Latest call report
- Q2 2026, NCUA 5300 · Houston Federal Credit Union call report
- Asset rank in state
- 40th of 377 in Texas
- Routing number
- 313183368
- Branches
- 12
It has 1,130 fewer members than on June 30, 2025 (-1.9%). Its net worth ratio was up 0.21 percentage points from 9.67% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $222.0M of $532.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.49% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.88% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Texas
Credit unions merged into Houston Federal Credit Union
Frequently asked about Houston Federal Credit Union
How big is Houston Federal Credit Union?
At Q2 2026 it reported total assets of $952.0M and 59,544 members.
Where is Houston Federal Credit Union headquartered?
It is headquartered in Sugar Land, TX, United States.
When was Houston Federal Credit Union founded?
It was established in 1960, per NCUA records.
Is Houston Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 14091): 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 Houston Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Houston Federal Credit Union well capitalized?
Its net worth ratio was 9.88% 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 Houston Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.49% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Houston Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 62.65% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Sugar Land, TX 77479
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1960
- NCUA Charter #
- 14091
- RSSD ID
- 580780
- Members
- 59,544
- Potential members
- 2,338,860
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.88% | 11.43% | 26th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.43% | 0.81% | 25th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.33% | 7.02% | 29th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.20% | 3.70% | 21st bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 81.15% | 76.55% | 33rd below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 2.35% | 1.24% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.49% | 0.68% | 66th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.55% | 4.92% | 81st position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 62.65% | 75.66% | 26th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$952.0M total assets against $941.2M; $850.3M total shares and deposits against $845.2M; $532.7M total loans against $549.1M.
$94.0M net worth against $91.1M.
9.88% net worth ratio against 9.67%.
62.65% loan-to-share ratio against 64.97%.
0.49% delinquency ratio against 0.41%.
0.43% return on assets against 0.47%; 4.33% return on equity against 4.85%.
3.20% net interest margin against 3.12%.
59,544 members against 60,674.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.88% | 0.43% | 0.49% | 62.65% |
| March 31, 2026 | 9.77% | 0.43% | 0.35% | 61.06% |
| December 31, 2025 | 9.74% | 0.34% | 0.48% | 62.34% |
| September 30, 2025 | 9.66% | 0.31% | 0.44% | 63.73% |
| June 30, 2025 | 9.67% | 0.47% | 0.41% | 64.97% |
| March 31, 2025 | 9.41% | 0.19% | 0.45% | 64.15% |
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.